“An increasing number of consumers are incorporating crypto into their investment portfolios, while major financial institutions are deepening their involvement in crypto assets, supported by significant regulatory developments,” said Baron Silverstein, president of Newrez.
In terms of regulations, Federal Agency for Housing Financing (FHFA) Director Bill Pulte said in June Fannie Mae And Freddie Mac will begin preparing for the use of crypto in single-family mortgages.
Proponents argue that assets such as Bitcoin or Ethereum can be used as collateral to obtain fiat currency loans for real estate purchases, potentially expanding access to credit for borrowers who may not qualify under traditional underwriting standards due to income or credit limitations.
However, skeptics point to the volatility of the crypto markets, which can lead to margin calls and force borrowers to post additional collateral as asset values fall. Wider adoption is also limited by an evolving regulatory framework.
“We believe now is the right time to prudently integrate eligible crypto assets into modern mortgage lending – allowing consumers to preserve their investments while gaining access to innovative financing solutions,” said Silverstein.
Newrez recently invested in a mortgage technology company HomeVision and is working with the company to develop an artificial intelligence (AI)-powered underwriting platform. Newrez claims to be the first top-25 mortgage lender in the US to accept crypto assets into the mortgage process without liquidation requirements.
According to Inside Mortgage Finance, the company was the fourth largest lender in the U.S. from January through September 2025. Volume of $44.5 billion was generated during these nine months, an increase of almost 8% year over year.
Other lenders active in the field of crypto mortgages are based in Miami, among others Milo; Toronto-based lending platform Jan; Figureled by former SoFi CEOMike Cagney; And Moon Mortgage.
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