Newrez US Group will approve cryptocurrency loans

How does the new policy work ?

The policy change, confirmed by Newrez executives in statements to Bloomberg and HousingWire on January 16, 2026, marks the first time a major US home mortgage lender has officially included cryptocurrency assets in its underwriting guidelines.

Beginning February 1, 2026, eligible borrowers will be able to use verified cryptocurrency (primarily Bitcoin, Ethereum, and major stablecoins) to demonstrate liquidity reserves and overall financial strength when applying for conventional, FHA, VA, and USDA mortgage loans . Newrez will allow cryptocurrency assets to count toward:

• Reserve requirements — Typically 2 to 6 months of mortgage payments, depending on the loan type and borrower profile.

• Additional qualifying assets — To demonstrate overall financial stability, especially for self-employed borrowers or those with non-traditional sources of income.

• Proof of funds for deposit — In some limited cases, proceeds from the sale of cryptocurrency (subject to holding period and tax compliance rules).

It's important to note that Newrez does not replace income verification or employment checks with cryptocurrency balances. Instead, cryptocurrency holdings will be considered as part of the borrower's overall asset profile, similar to stocks, bonds, or other non-cash investments.

Risk management remains the focus

Despite the title, risk controls remain very strict. The volatility of cryptocurrencies means that lenders will almost certainly apply a deduction from the asset value or require conversion to fiat currency before funds are counted toward reserves or collateral.

This approach allows lenders to benefit from a more complete financial picture without incurring the risk of price volatility between the time of approval and the time of transaction completion. From a risk perspective, cryptocurrencies are being treated less like cash and more like highly volatile securities.

Impact on real estate

For borrowers, this policy offers greater flexibility—especially for cryptocurrency professionals whose assets may not be held in traditional bank accounts.

It reduces the need for early asset liquidation or financial restructuring just to qualify for a mortgage. To a small extent, this could modestly expand the pool of borrowers eligible for mortgages, although this is unlikely to happen.

Disclaimer: The information presented in this article is the author's personal opinion in the field of cryptocurrency. This is not financial or investment advice. All investment decisions should be based on careful consideration of your personal portfolio and risk tolerance. The views expressed in this article do not represent the official stance of the platform. We recommend that readers conduct their own research and consult with experts before making any investment decisions.

Compiled and analyzed by HCCVenture

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