A man handing over house keys
U.S. housing authority mulls use of crypto in qualifying mortgage applicants
The U.S. Federal Housing Finance Agency (FHFA) director, William J. Pulte has hinted that the agency is studying the use of crypto for mortgage financing.
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In a tweet on 24 June, Pulte said the agency will look into the usage of crypto holdings in qualifying applicants for mortgages.
Breaking new grounds
This is the first time that the federal housing agency is considering the use of crypto holdings in qualifying for mortgages and a sign of the growing popularity of crypto in the U.S.
Thanks to the Donald Trump administration, crypto has become highly accepted as the government has put it in good light.
First, the government recently passed the GENIUS Act which seeks to regulate stablecoins into law, making stablecoins more legal to use.
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The president has also openly declared his support for cryptocurrencies, making his administration a pro crypto one that has helped to support the industry’s growth.
The previous governments, especially the immediate past administration, was extremely cautious about crypto and provided no clear guidelines.
Instead, the securities and exchange commission (SEC) used an enforcement approach to crypto regulation, which made many crypto startups leave the country.
With better crypto regulation, the industry isn’t just growing but as it is clear, government agencies are also buying into the use of crypto for many use cases.
Already, crypto has a new use case in mortgage known as tokenization, which allows land or property owners to digitize ownership of their properties on the blockchain.
Interestingly, Pulte himself is a crypto investor who recently openly admitted to holding Bitcoin and Solana, something he must have kept secret for years because of the hostility towards crypto.
With this trend, it is likely that more government agencies will buy into crypto eventually and incorporate it into their decision making.
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