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# Fannie Mae is hereby directed to accept Bitcoin
- URL: https://pulpconversations.com/fannie-mae-is-hereby-directed-to/
- Published: 2025-06-25T23:22:51.000Z
- Updated: 2026-08-27T13:48:48.000Z
- Description: Yuge ... but probably nothing 🤣
- Author: Vinay Gupta
- Tags: Newsletter, #Migrated-1787171093388, #Import 2026-08-19 16:25

## 90% probability this happens by Dec. 31, 2025

![](https://storage.ghost.io/c/67/42/67423e8e-d1c5-4288-976a-2d7a9b94e567/content/images/2026/08/6e575c26-965a-4747-b934-9daf3f936ac2_820x1052-jpeg.jpg)

---

Some potential implications:

## 1\. Bitcoin Holdings as Direct Proof of Financial Assets

You could show **2 Bitcoin worth $214,000 (based on today’s price) on a Coinbase statement as proof of financial reserves** without converting to dollars. The directive specifically requires crypto assets to be "evidenced and stored on a U.S.-regulated centralized exchange", making platforms like Coinbase, Kraken, and other regulated exchanges acceptable for documentation.

## 2\. No Forced Liquidation Required

**Borrowers won't need to sell their Bitcoin to qualify for mortgages**. Currently, Fannie Mae and Freddie Mac require virtual currency to be "exchanged into U.S. dollars and held in a U.S.- or state-regulated financial institution". The new directive eliminates this conversion requirement, allowing you to **maintain your Bitcoin position while accessing mortgage credit**.

## 3\. Tax-Free Access to Real Estate Capital

This creates a `major tax advantage` since borrowing against Bitcoin doesn't trigger capital gains taxes. As one expert noted: "Borrowing using your Bitcoin as collateral doesn't typically trigger capital gains taxes in most jurisdictions because borrowing against an asset is typically not a taxable event". This could save significant tax liability for long-term Bitcoin holders.

![](https://storage.ghost.io/c/67/42/67423e8e-d1c5-4288-976a-2d7a9b94e567/content/images/2026/08/f5e80a4d-c19a-4028-8765-0481a3d9b5b4_400x225.gif)

## 4\. Accelerated Mortgage Approval Process

**Crypto-wealthy individuals ~~could~~ will qualify for mortgages faster** than traditional applicants. Since Bitcoin holdings provide clear proof of substantial assets, this could **streamline underwriting for borrowers with strong crypto portfolios but weaker traditional financial profiles** (irregular income, limited credit history, etc.).

> *bitcoin* trades 24/7 including weekends so Imma gonna be able to show proof of funds before you are … nanny nanny boo boo

## 5\. Massive Expansion of Qualified Homebuyer Pool

This policy ~~could~~ will **~~unlock~~ accelerate homeownership for millions of Americans with significant crypto wealth**. The directive acknowledges the need to "assess a broader range of borrower assets and better support sustainable homeownership for creditworthy borrowers, especially those with wealth held outside traditional banking systems". Given Bitcoin's market cap and holder base, this represents a substantial expansion of the potential mortgage market.

AND by now if you have been reading me you know that:

![](https://storage.ghost.io/c/67/42/67423e8e-d1c5-4288-976a-2d7a9b94e567/content/images/2026/08/7dd0cde6-6dd9-4a83-93f1-3a4ae12c2d2a_480x263.gif)

Send to a friend who is buying a house.

Update: 27 June 2025

FHFA's directive to Fannie Mae is the biggest decree since Jan 3, 2009: it's a “Directive” to consider bitcoin as collateral for single-family homes.  
  
Keep in mind the FHFA is Fannie Mae’s Governing Body so the word “consider” can be fairly disregarded.  
  
Translation: The Elite is having a “changing of the guard” and the new Landowners (literally, going forward) will be the newly minted Billionaires from the last 10 years! Moore’s Law applied to Money.  
  
YET the Wall Street Journal doesn't even have this news "above-the-fold" on its Real Estate section nor any of the other sections.

Reuters article: [**https://www.reuters.com/sustainability/boards-policy-regulation/regulator-orders-fannie-freddie-consider-crypto-holdings-loan-assessments-2025-06-25/**](https://www.reuters.com/sustainability/boards-policy-regulation/regulator-orders-fannie-freddie-consider-crypto-holdings-loan-assessments-2025-06-25/?ref=pulpconversations.com)