Holders of cryptocurrencies have been looking for practical uses for their digital assets beyond typical trading. With home prices slowly decreasing and interest rates stabilizing, getting a home through a mortgage seems like a safe choice.
But what if holders can use their crypto wallets to secure a mortgage? Thanks to a federal regulator of Fannie Mae and Freddie Mac, this idea is slowly becoming a possibility.
FHFA Director Pushing for Crypto Consideration
A recent post by William Pulte, director of the Federal Housing Finance Administration or FHFA, strongly recommends Fannie Mae and Freddie Mac to consider a borrower’s crypto holdings during mortgage application. This means that all cryptocurrencies that a person has become legitimate assets during the application process, which could give them better eligibility and a higher chance of approval.
How the FHFA Directive Can Influence Mortgage Lenders
While Fannie Mae and Freddie Mac are not direct lenders and mostly function on the secondary home market, they can strongly influence how lenders conduct business. Since they buy mortgages from banks and other lenders, their rules and recommendations are what financial institutions will follow.
The post also includes a directive for government agencies to create guidelines on how lenders should consider these assets. The move comes in line with the US’s goal to become the crypto capital of the world.
Although no crypto projects were included in the recommendation, the FHFA director provided some suggestions. One of which is that the crypto assets must be evidenced and should be stored in a centralized exchange regulated by the US government. Market volatility was also part of the consideration, knowing how volatile the crypto market is.
ETHi Token: A Halal, Property-Backed Crypto Option You Can Use Now
While crypto mortgages may still be a few steps away from mainstream adoption, ETHi Token offers a way to start investing in real estate-backed crypto today — with an approach that is both ethical and halal.
The ETHi Token is a stablecoin backed by rent-to-own U.S. real estate, making it one of the few crypto assets rooted in tangible property ownership. It allows investors to:
- Diversify into property without banks or riba (interest)
- Earn returns through a Sharia-compliant model
- Support community-focused housing development
- Be part of a decentralized ethical finance movement
Start investing in ETHi Token via the Ijara DAO app and gain exposure to U.S. real estate — with none of the conventional mortgage baggage.
A Step Forward for Ethical Crypto and Halal Home Ownership
The push to include crypto holdings in mortgage assessments is a sign that the traditional finance world is slowly adapting to the future of decentralized and ethical finance.
If approved, this could unlock new possibilities for millions of Muslim and ethical investors — especially for those already active in the crypto space.
Until then, you don’t have to wait. You can start building wealth ethically and transparently with ETHi Token — a crypto asset that supports real estate development without compromise.
