Newrez Incorporates Crypto Assets for Mortgage Qualification
- Newrez utilizes crypto assets for mortgage criteria without liquidation.
- Eligible: BTC, ETH, USD stablecoins, effective February 2026.
- Assets must be held on US-regulated exchanges or financial institutions.
Newrez, a major US mortgage lender, will start recognizing Bitcoin BTC +0.29% , Ethereum ETH +0.44% , USD-backed stablecoins, and SEC-approved spot BTC/ETH ETFs for mortgage qualification starting February 2026.
This move signifies a growing acceptance of crypto assets in traditional finance, potentially influencing mortgage markets by integrating digital currencies as part of financial assessments.
Newrez, a leading U.S. mortgage lender, has announced its decision to incorporate crypto assets like Bitcoin (BTC) and Ethereum (ETH) into mortgage qualification criteria. This initiative is set to launch in February 2026. Newrez recognizes crypto assets for mortgage qualification by 2026.
By integrating these digital assets, Newrez aims to offer innovative financing solutions while allowing customers to preserve their investments. Baron Silverstein, President of Newrez, emphasized the increasing significance of crypto in consumer investment portfolios.
This decision will potentially impact the mortgage qualifications for numerous U.S. citizens holding eligible crypto assets. As the first among top U.S. lenders to adopt such criteria, Newrez sets a precedent within the industry. Newrez to integrate Bitcoin and Ethereum for mortgage qualifications.
The policy mandates that eligible assets like USD-pegged stablecoins and spot BTC/ETH ETFs must be held on regulated U.S. exchanges, not in self-custody. This ensures compliance with financial regulations while leveraging crypto assets’ value.
Analysts suggest this move by Newrez signifies a growing trend toward the normalization of digital assets in traditional finance. Observers note the alignment with former FHFA directives regarding crypto in mortgage risk models.
Some anticipate broader financial and regulatory shifts as other lenders might adopt similar practices. Historical trends indicate increasing involvement from major financial institutions, likely driven by technological advancements and regulatory developments.
“Today, an increasing number of consumers include crypto in their investment portfolios, while major financial institutions are deepening their involvement in crypto assets, supported by key regulatory developments. We believe that now is the right time to prudently integrate eligible crypto assets into modern mortgage lending—enabling consumers to preserve investments while accessing innovative financing solutions.” – Baron Silverstein, President of Newrez
