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Crypto Wealth Meets Mortgage Reality | Real Estate News
Crypto millionaires are hitting a wall when buying homes—traditional lenders can’t handle digital wealth. With 22% of Americans holding crypto and the market worth over a trillion, the mortgage system built for W-2s is stuck. Volatility, liquidity issues, and verification headaches mean even debt-free crypto holders get denied. Regulators are slowly adapting—Fannie Mae and Freddie Mac now consider crypto in risk assessments—but most lenders still don’t know how to apply it. Two main paths exist: collateralized loans (high risk, locked assets) or asset depletion models (treat crypto like…
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