Newrez, a number one mortgage lender and servicer, introduced plans to start recognizing cryptocurrency property for mortgage qualification in February 2026.
This marks a big integration of digital finance into the normal housing market.
Sponsored
Sponsored
Newrez Targets Gen Z with Crypto-Inclusive Mortgage Merchandise
The initiative will permit debtors to make use of holdings in Bitcoin, Ethereum, USD-pegged stablecoins, and spot crypto exchange-traded funds to confirm property. These holdings can also be used to estimate revenue for mortgage mortgage purposes.
This system is unique to Newrez’s Good Sequence product suite. The road provides non-qualified mortgage loans for debtors who fall outdoors commonplace government-backed lending tips.
Newrez President Baron Silverstein mentioned the transfer displays a vital evolution in fashionable lending because the crypto trade turns into more and more built-in with conventional finance.
The lender cited inside knowledge exhibiting that about 45% of Gen Z and Millennial traders personal cryptocurrency. It described the group as a core demographic of first-time homebuyers.
Notably, lenders traditionally required these debtors to liquidate their digital holdings to show reserves, triggering taxable occasions and forcing them out of the market.
“We imagine that now could be the best time to prudently combine eligible crypto property into fashionable mortgage lending—enabling shoppers to protect investments whereas accessing revolutionary financing options,” Silverstein defined.
Sponsored
Sponsored
Newrez Sidesteps DeFi, Mandates Regulated Change Holdings
Underneath the brand new coverage, debtors can qualify with out promoting their property. Nevertheless, the lenders will apply market-adjusted valuations to account for crypto value volatility.
“Our mission at Newrez is to do every part doable to make house occur and this innovation marks yet one more step in creating new pathways to homeownership, giving shoppers flexibility and management,” Leslie Gillin, Newrez Chief Industrial Officer, mentioned.
Furthermore, this system additionally imposes strict guardrails for these new debtors. Newrez confirmed that debtors can use crypto for underwriting ratios however should nonetheless pay down funds and shutting prices in US {dollars}.
Moreover, all eligible property should be held by US-regulated entities, comparable to compliant exchanges, retail FinTech apps, or SEC- or FINRA-regulated brokerages.
This requirement successfully excludes property held in self-custody wallets or decentralized finance (DeFi) protocols.
In the meantime, the announcement follows a broader regulatory shift in Washington.
In June 2025, the Federal Housing Finance Company issued a directive to think about cryptocurrency in mortgage danger modeling. The company requested Fannie Mae and Freddie Mac to develop proposals for incorporating digital property into single-family mortgage danger assessments.
That directive is a part of the Trump administration’s wider overhaul of US monetary coverage. It signaled a thawing of relations between federal housing regulators and the crypto trade.