Fannie Mae Now Accepts Crypto as Mortgage Collateral: But There Is a Catch That Could Cost You Thousands

A $100,000 Crypto bitcoin position now qualifies a borrower for a GSE-backed mortgage, but only $40,000 to $50,000 of it actually counts.FHFA Director William J. Pulte’s June 25, 2025 directive ordered Fannie Mae and Freddie Mac to accept cryptocurrency as financial reserves without requiring conversion to dollars, a direct reversal of Fannie Mae’s longstanding guideline B3-4.1-04 that had blocked digital…