United States organizer MULLS Real Estate Mortgage in the Housing Crisis star-news.press/wp

American federal home loan organizer is looking at how to help Crypto Holdings to rehabilitate mortgage students to obtain household loans. This step comes amid a decrease in the number of mortgage requests in recent years, as the United States is facing the housing crisis.

In a statement at X on June 23, Bill Polly, head of the Federal Housing Finance Agency (FHFA), He said Its agency will “study the use of cryptocurrencies (SIC) in terms of its connection with qualifying for the real estate mortgages.”

House ownership has been relatively stable over the past fifty years in the United States, with about 62 % of the population of houses. However, the number of new applicants has seen a sharp decrease in recent years.

While some boutique lenders already allow borrowers to use encryption as a guarantee, the study and recognition of FHFA will represent a big step forward to adopt encryption, especially among the mortgage applications numbers.

FHFA Pro-Crypto goes on real estate loans, while housing rates decrease

While Pulte Pro-Crypto comments come at a time when the United States housing market faces serious difficulties.

The number of mortgage assets – that is, the process in which the lender works with the borrower to form a mortgage loan – decreased to the lowest levels close in mid -2024 and has improved a little in the first quarter of 2025. The decrease in assets, especially in the hunter, is attributed to several factors.

First, housing supply does not grow enough to treat demand. The construction is backward, more housing is purchased by investors, not by potential homeowners, and older home owners still live in the house instead of moving to the places of living in senior living.

Borrowing has become more expensive, and many have attributed the recession in assets to the high interest rates in the Federal Reserve to combat inflation. PULTE criticized the policies of the FBI rate, and went further to the call of President Jerome Powell, who will witness the Congress on June 26.

Amid these opposite winds, Pulte is looking for ways to make borrowing more useful for home owners.

The approval of the FHFA lenders can open on encryption

FHFA official recognition can open large federal lending programs for more borrowers. In 2024, the Federal Housing Department alone released more than 760,000 family real estate mortgages, one $ 230 billion.

Until January 23, 2025, most banks have not been able to provide loans or real estate mortgages supported by encryption due to accounting bulletin No. 121, a banking base from the Securities and Stock Exchange Committee that requires financial institutions to calculate encrypted currencies as a responsibility instead of assets in their public budget. The base was quickly canceled after President Donald Trump took office.

Related: SAB 121 canceled: What does this mean for coding and organization in 2025

However, the guaranteed loans through federal programs such as FHA, VA and USDA do not currently allow borrowers to use encryption as a guarantee. In fact, some federal loans may not even allow the dollar qualifiers from coding sales in low payments, according to 99bitcoins Sam Cooding.

Personal financing expert Andrew Lukinait said that potential homeowners are looking to buy through their bitcoin revenues need “to be keen to document everything and save the papers.”

Bitcoin defenders praised Pulte’s openness to Bitcoin (BTC), with some mentioned that there are already features preferred by lenders – for example, a transparent paper trail – built into digital assets.

Mitchell Eskio, an analyst at Bitcoin Mining-Aas-A-Service Boundware, said that liquidity of the assets and transparent nursery, which is the general Blockchain, makes it a “perfect guarantee” for home loans.

“Bitcoin can help in DERISK in the real estate -backed securities market supervised by FHFA by FANNIE MAE and Freddie Mac. “This is not thinking.”

Who wants encryption loans?

There are already a small number of lenders who allow borrowers to make their encryption as a guarantee, but they are few and far away. This is a more meeting towards the investor category than the home buyers and the risks that some may not be ready for the stomach.

Milo (previously Milukredit) agrees to loans for borrowers immediately, but they first need to show that they have enough encryption to cover the full value of the loan. Milo Josip Rupeena CEO said that many customers were buying their second homes, holiday real estate or investment real estate.

He said: “Many of them have a strong income, but traditional banks were not qualified for the full value of these homes.”

Related to: Bitcoin -backed loans open the real estate market to encryption, tax -free

Strke, another company that provides imitated bitcoin loans, states that there are some risks on encrypted loans in their current form. Volatility is a major factor. If the BTC price decreases significantly, the loan rate increases to the value, “which can lead to margin calls or filtering-forced sales at unavailable times.”

The lenders are open to risk as well. One commentator stated, “The risk models for this will be crazy. Traditional real estate mortgages assume relatively stable income and assets. You are now dealing with borrowers whose net wealth can swing 50 % per week. How can you test the stress portfolio when your guarantees include everything from Bitcoin to random random symbols?”

But the ownership of encryption in the United States is increasingly growing, as the legislators and organizers in Washington move to the application of friendly legal rules and frameworks.

Recent studies indicate that Crypto is no longer just an abbreviation of the rich oral encryption or Uber, but it is increasingly seen as one of the legitimate assets of retail between ordinary investors. It is estimated that about 20 % of Americans, about 65 million people, now have encryption, according to the “encryption case” report for 2025.

Their investments are not astronomical either; It is worth about 74 % of the US encryption portfolios less than $ 50,000.

Allowing the encryption of the increasing defenses or as a guarantee can open the ownership of homes for the increasing number of investors if Bitcoin joins the list of other securities they can use to obtain a real estate loan.

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