(Daily SIgnal)—With sky-high interest rates and rising building costs, the American dream of home ownership is slipping further away for millions of Americans. However, an innovative new policy from the Trump administration could bring that dream back to reality for many, especially young people.
Last month, Bill Pulte, director of the Trump Federal Housing Finance Agency, ordered Fannie Mae and Freddie Mac to prepare their businesses to count cryptocurrency as an asset for a would-be homeowner seeking to apply for a single-family mortgage loan.
This new policy, which fits into the Trump administration’s broader embrace of technology and innovation, would provide a hedge against currency instability and allow applicants to receive lower mortgage interest rates, while also nudging Americans to diversify their asset classes.
It especially could help aspiring young homeowners, who are far more likely to own cryptocurrency assets than older Americans, but also less likely to achieve the dream of homeownership. In April, the National Association of Home Builders reported the homeownership rate for those under 35 declined slightly to 36.6% in the first quarter of 2025 (compared to a year ago) and is still hovering at the lowest rate in six years.
The new Trump risk assessments proposal would only cover those cryptocurrencies held on U.S.-regulated, centralized exchanges and only as assets in single-family mortgage loan applications.
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Author: Daily Signal
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