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Newrez, a leading mortgage lender and service provider, has announced plans to begin accepting crypto assets for mortgage qualification in February 2026..
This represents an important integration of digital finance into the traditional housing market.
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Newrez targets Generation Z with full cryptocurrency mortgage products
The initiative will allow For borrowers using their holdings in Bitcoin, Ethereum, and stable currencies linked to the US dollar, And cryptocurrency exchange funds to check Of the assets. This property can also be used to estimate income from mortgage loan applications.
The program is exclusive to Newers Smart series products. The line offers non-qualified mortgage loans to borrowers who cannot follow traditional government guidelines.
He said Baron Silverstein, president of Newers, said the move reflects a necessary development in modern lending as the digital currency industry increasingly integrates with traditional finance.
The lender cited internal data showing that around 45% of Gen Z and Millennial Investors own cryptocurrencies. The group is described as a core category of first-time buyers.
It is worth noting that lenders have historically required these borrowers to liquidate their digital holdings to demonstrate reserves, triggering taxable events and forcing them out of the market.
“We believe now is the time to prudently integrate qualified digital assets into modern mortgage lending, allowing consumers to preserve their investments while accessing innovative financing solutions,” explains Silverstein.
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Newrez goes beyond DeFi, forces a regulated exchange
Under the new policy, borrowers can qualify without selling their assets. However, lenders will apply market-adjusted valuations to account for cryptocurrency price fluctuations.
“At Newers, our mission is to do everything we can to make homeownership happen, and this innovation represents another step toward creating new pathways to homeownership, giving consumers flexibility and control,” said Leslie Gillen, Newers Chief Commercial Officer.
In addition, the program imposes Also strict barriers on these new loans. The newest ones confirm that borrowers can use cryptocurrency for underwriting percentages, but they must pay payments and closing costs in US dollars.
Also, all qualifying assets must be held It has entities organized in the United States, Such as full exchanges, retail fintech applications, or brokerage firms regulated by the SEC or FINRA.
This requirement effectively excludes assets held in self-custodial wallets or decentralized finance (DeFi) protocols.
Meanwhile, the announcement comes after a broader regulatory change in Washington.
In June 2025, the Federal Housing Finance Agency published a guide to consider cryptocurrencies in the mortgage risk model. The agency asked Fannie Mae and Freddie Mac are developing proposals to integrate digital assets In single family loan risk assessments.
This guide is part of The Trump administration’s broadest overhaul of US tax policy. This indicated a lessening of relations between the federal housing regulators and the cryptocurrency industry.
