Crypto on the Books: Counting Bitcoin for Your Mortgage

What if your Bitcoin stash could finally help you qualify for a home loan? In this episode, Tim Lucas and Craig Berry unpack the FHFA’s June 25 directive asking Fannie Mae and Freddie Mac to treat crypto as reserve assets—and what that means for aspiring homeowners sitting on digital currencies. You’ll learn:The Big Change: How Fannie and Freddie may soon count crypto holdings (on U.S.-regulated exchanges) toward your required post-closing reservesDown Payment vs. Reserves: Why you still need to convert crypto to USD for your actual down payment—and how reserves differGuardrails & Volatility: Which coins might qualify, how much of your crypto they’ll consider, and strategies to mitigate wild price swingsImplementation Timeline: What steps Fannie/Freddie must take—proposals, board sign-off, and system updates—and why it’ll take monthsHomebuying Advice: Why you shouldn’t pause your purchase plans, and how to balance current rules with the promise of crypto inclusionIf you’ve been dreaming of turning your digital gains into real estate gains, this episode gives you the clear roadmap—and the timing tips—you need to navigate the coming crypto-mortgage frontier.