Newrez to Recognize Cryptocurrency Holdings in U.S. Mortgage Qualification Framework

• Crypto accepted for mortgage qualification
• Only regulated platforms allowed, with strict risk controls

Newrez, a major U.S. mortgage lender, announced accepting cryptos starting in February 2026. This is the major shift and a positive sign for the crypto because these big companies usually ignore crypto.

Crypto Assets Now Count Toward Mortgage Qualification Without Forced Liquidation

Borrowers can now use Bitcoin, Ethereum, and USD-pegged stablecoins as assets and be used to keep a portion of their savings and to help estimate income for mortgage approvals. The users don’t need to sell their crypto to prove that they have money

This applies only to Newrez’s smart series loans, which are the non-qualified mortgages and are designed for borrowers who don’t fit traditional lending rules. This shows that newrez is targeting the first-time home buyers and the people who were previously blocked because their wealth sat in digital assets

Newrez is still being very cautious on its rules and limits on crypto users. Crypto values will be discontinued to account for the price swings, and the crypto must be kept only on the regulated U.S. exchanges or apps. Down payment must still be paid in U.S. dollars, and self-custody wallets will not be counted

This rule was passed after the U.S. government is slowly turning more positive towards crypto. In mid 2025, a housing regulator called the Federal Housing Finance Agency told two major mortgage companies to study crypto, then be counted when giving home loans. Right now, there is less hostility towards crypto and more openness to letting crypto work inside the normal financial system

This shows that crypto is now treated like real money, and there are more benefits for the crypto holders to buy homes and banks are starting to slowly accept cryptos

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