Mortgage Lender Neurez Accepts Crypto Assets in Loan Decisions
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Newrez is about to start counting certain cryptocurrency holdings as eligible assets.
Key Takeaways:
Newrez will start counting certain crypto holdings as mortgage-eligible assets starting in February.
Borrowers can use Bitcoin, Ether and stablecoins without selling in risk adjustments.
The move targets younger buyers and will be part of future U.S. policy discussions on crypto in mortgage underwriting.
The change is expected to take effect in February and will apply to the lender's non-agency products, home purchases, improvements and investment properties.
Nowrez Bitcoin, Ether and Stablecoins are to be considered mortgage assets.
Under the new approach, Newrez allows eligible crypto holdings to be considered alongside traditional assets such as stocks and bonds, eliminating the long-standing requirement that borrowers meet their digital assets before applying.
At launch, the lender said it will recognize bitcoin, ether, cryptocurrencies backed by those assets, and US dollar-pegged stablecoins.
The assets must be held by US regulated crypto exchanges or fintech platforms, brokers or nationally chartered banks.
While the crypto values used in the underwriting may be adjusted to reflect market volatility, Newrez said borrowers still have to cover closing costs and make mortgage payments in US dollars.
The lender emphasized that the policy is designed to integrate crypto into existing risk controls rather than adjusting its underwriting requirements.
Chief commercial officer Leslie Gillin said the decision reflects changing investor behavior, particularly among younger buyers.
45% of Gen Z and Millennial investors hold cryptocurrency, Jilin said, adding that recognizing digital assets will help expand access to home ownership for groups struggling to break into the housing market.
Newsrez's move comes as US policymakers continue to debate whether cryptocurrencies should factor into mortgage risk assessments.
In June 2025, the Federal Housing Finance Agency ordered Fannie Mae and Freddie Mac to study how crypto assets could be considered in single-family loans without first being converted into dollars.
Soon after, Cynthia Lammis introduced the 21st Century Mortgage Act, which would enact the directive into law.
Lummis argued that the challenges of housing affordability are affecting young Americans, many of whom have a large share of their savings in digital assets.
The bill was referred to the Senate Committee on Banking, Housing and Urban Affairs, where it has not yet been amended.
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Interactive Brokers said support for Ripple USD and PayPal USD will start next week, on top of USDC funding, which was first introduced to retail clients in December.
The broker said the move would be a key sticking point for international investors as the transfer of funds is slow and costly.
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