{"id":885976,"date":"2026-01-18T18:16:16","date_gmt":"2026-01-19T00:16:16","guid":{"rendered":"https:\/\/newsycanuse.com\/index.php\/2026\/01\/18\/mortgage-lender-newrez-embraces-crypto-assets-in-loan-decisions\/"},"modified":"2026-01-18T18:16:16","modified_gmt":"2026-01-19T00:16:16","slug":"mortgage-lender-newrez-embraces-crypto-assets-in-loan-decisions","status":"publish","type":"post","link":"https:\/\/newsycanuse.com\/index.php\/2026\/01\/18\/mortgage-lender-newrez-embraces-crypto-assets-in-loan-decisions\/","title":{"rendered":"Mortgage Lender Newrez Embraces Crypto Assets in Loan Decisions"},"content":{"rendered":"<div>\n<div>\n<div>\n<p><img decoding=\"async\" src=\"https:\/\/cimg.co\/wp-content\/uploads\/2025\/04\/23090551\/ayan-150x150.jpg\" alt>\n                    <\/p>\n<p>Crypto Journalist<\/p>\n<div>\n<p>Amin Ayan<\/p>\n<div>\n<div>\n<p><img decoding=\"async\" src=\"https:\/\/cimg.co\/wp-content\/uploads\/2025\/04\/23090551\/ayan-150x150.jpg\" alt>\n                <\/p>\n<div>\n<div>\n<p>Crypto Journalist<\/p>\n<p><span>Amin Ayan<\/span><span class><img decoding=\"async\" src=\"https:\/\/cryptonews.com\/wp-content\/themes\/cryptonews\/images\/verification.svg\" alt=\"Verified\"><\/span>\n                    <\/p>\n<\/p><\/div>\n<div>\n<p>Part of the Team Since<\/p>\n<p>Apr 2025<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div>\n<p>About Author<\/p>\n<p>Amin Ayan is a crypto journalist with over four years of experience in the industry. He has contributed to leading publications such as Cryptonews, Investing.com, 99Bitcoins, and 24\/7 Wall St. He has&#8230;<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<div>\n<p>Last updated:\u00a0<\/p>\n<p><time datetime=\"2026-01-17T09:52:00+00:00\">January 17, 2026<\/time>\n        <\/p>\n<\/p><\/div>\n<\/div>\n<p><img loading=\"lazy\" width=\"1200\" height=\"673\" src=\"https:\/\/cimg.co\/wp-content\/uploads\/2026\/01\/17075049\/1768636248-image-1768635607831_optimized-1.jpg\" alt=\"Mortgage Lender Newrez Embraces Crypto Assets in Loan Decisions\" decoding=\"async\"  ><\/p>\n<p>Newrez is set to begin counting certain cryptocurrency holdings as qualifying assets in its mortgage underwriting process, a policy shift that could expand access to home loans for borrowers with digital assets.<\/p>\n<div>\n<p><strong>Key Takeaways:<\/strong><\/p>\n<ul>\n<li><span>Newrez will begin counting certain crypto holdings as qualifying assets for mortgages starting in February.<\/span><\/li>\n<li><span>Borrowers will be able to use Bitcoin, Ether and stablecoins without selling them, subject to risk adjustments.<\/span><\/li>\n<li><span>The move targets younger buyers and aligns with ongoing US policy discussions on crypto in mortgage underwriting.<\/span><\/li>\n<\/ul>\n<\/div>\n<p>The change is expected to <a href=\"https:\/\/www.newrez.com\/press-news\/newrez-to-recognize-crypto-assets\/\" target=\"_blank\">take effect in February<\/a> and will apply across the lender\u2019s non-agency products, including home purchases, refinancings and investment properties.<\/p>\n<h2><span id=\"h-newrez-to-count-bitcoin-ether-and-stablecoins-as-mortgage-assets\">Newrez to Count Bitcoin, Ether and Stablecoins as Mortgage Assets<\/span><\/h2>\n<p>Under the new approach, Newrez will allow eligible crypto holdings to be considered alongside traditional assets such as stocks and bonds, removing a long-standing requirement for borrowers to liquidate their digital assets before applying.<\/p>\n<p>At launch, the lender said it will recognize Bitcoin, Ether, spot exchange-traded funds backed by those assets, and U.S. dollar-pegged stablecoins.<\/p>\n<p>The assets must be held with US-regulated crypto exchanges or fintech platforms, brokerages, or nationally chartered banks.<\/p>\n<p>Newrez said crypto valuations used in underwriting may be adjusted to reflect market volatility, while borrowers will still need to cover closing costs and make mortgage payments in US dollars.<\/p>\n<p>The lender emphasized that the policy is designed to integrate crypto within existing risk controls rather than overhaul its underwriting standards.<\/p>\n<p>Chief commercial officer Leslie Gillin said the decision reflects changing investor behavior, particularly among younger buyers.<\/p>\n<figure><\/figure>\n<p>About 45% of Gen Z and Millennial investors hold cryptocurrency, Gillin said, adding that recognizing digital assets could help broaden access to homeownership for groups that have struggled to enter the housing market.<\/p>\n<p>Newrez\u2019s move comes as US policymakers continue to debate how cryptocurrencies should factor into mortgage risk assessments.<\/p>\n<p>In June 2025, the Federal Housing Finance Agency directed Fannie Mae and Freddie Mac to study how crypto assets could be considered in single-family mortgage underwriting without first being converted into dollars.<\/p>\n<p>Shortly afterward, Cynthia Lummis introduced the 21st Century Mortgage Act, which would codify that directive into law.<\/p>\n<p>Lummis argued that housing affordability challenges are increasingly affecting younger Americans, many of whom hold a significant share of their savings in digital assets.<\/p>\n<p>The bill has been referred to the Senate Committee on Banking, Housing and Urban Affairs, where it has yet to advance.<\/p>\n<h2><span id=\"h-interactive-brokers-enables-24-7-account-funding-with-stablecoins\">Interactive Brokers Enables 24\/7 Account Funding With Stablecoins<\/span><\/h2>\n<p>Interactive Brokers <a href=\"https:\/\/cryptonews.com\/news\/interactive-brokers-lets-clients-fund-accounts-with-stablecoins\/\">has expanded its crypto services<\/a> by allowing clients to fund brokerage accounts with stablecoins that are automatically converted into US dollars.<\/p>\n<p>The new feature enables 24\/7 deposits using USDC across multiple blockchain networks through a partnership with zerohash, removing delays tied to traditional wire transfers.<\/p>\n<p>Once received, stablecoins are converted into dollars and credited directly to client accounts, letting investors begin trading within minutes.<\/p>\n<p>Interactive Brokers said support for Ripple USD and PayPal USD will launch next week, building on USDC funding that was first introduced for retail clients in December.<\/p>\n<p>The brokerage said the move addresses a key friction point for global investors, as wire transfers can be slow and costly.<\/p>\n<p>\n                                    <a href=\"https:\/\/news.google.com\/publications\/CAAqKQgKIiNDQklTRkFnTWFoQUtEbU55ZVhCMGIyNWxkM011WTI5dEtBQVAB?ceid=US:en&#038;oc=3\" target=\"_blank\"><\/p>\n<p>                            <svg width=\"20\" height=\"16\" viewBox=\"0 0 20 16\" fill=\"none\">\n                            <path d=\"M19.6 5.36C19.6 5.48 19.6 5.66 19.54 5.78L17.2 12.8V5.6C17.2 4.94 16.66 4.4 16 4.4H12.82L12.52 3.8L11.86 2.36L15.34 3.32L18.58 4.16C19.18 4.28 19.6 4.82 19.6 5.36Z\" fill=\"#FF4131\" \/>\n                            <path d=\"M15.4 0.799997V3.26L11.92 2.3L11.74 1.88C11.44 1.28 10.72 0.979997 10.12 1.22L4.59998 3.38V0.799997C4.59998 0.499997 4.89998 0.199997 5.19998 0.199997H14.8C15.1 0.199997 15.4 0.499997 15.4 0.799997Z\" fill=\"#03A846\" \/>\n                            <path d=\"M12.82 4.4H4.00002C3.34002 4.4 2.80002 4.94 2.80002 5.6V11.42L0.520024 6.5C0.460024 6.26 0.400024 6.08 0.400024 5.9V5.84C0.400024 5.3 0.700024 4.82 1.24002 4.64L4.60002 3.32L10.06 1.22C10.72 0.979997 11.44 1.28 11.68 1.88L11.86 2.3L12.52 3.74L12.82 4.4Z\" fill=\"#FDBD04\" \/>\n                            <path d=\"M17.2 5.59999V14.6C17.2 15.26 16.66 15.8 16 15.8H4.00005C3.34005 15.8 2.80005 15.26 2.80005 14.6V5.59999C2.80005 4.93999 3.34005 4.39999 4.00005 4.39999H16C16.66 4.39999 17.2 4.93999 17.2 5.59999ZM9.40005 9.79999H7.00005V11H7.90005C7.60005 11.36 7.18005 11.6 6.70005 11.6C5.86005 11.6 5.20005 10.94 5.20005 10.1C5.20005 9.25999 5.86005 8.59999 6.70005 8.59999C7.12005 8.59999 7.48005 8.77999 7.78005 9.01999L8.62005 8.17999C8.14005 7.69999 7.48005 7.39999 6.70005 7.39999C5.20005 7.39999 4.00005 8.59999 4.00005 10.1C4.00005 11.6 5.20005 12.8 6.70005 12.8C7.90005 12.8 8.86005 12.08 9.22005 11C9.34005 10.7 9.40005 10.4 9.40005 10.1C9.40005 9.97999 9.40005 9.91999 9.40005 9.79999ZM14.8 7.39999H10.6V8.59999H14.8V7.39999ZM16 9.79999H10.6V11H16V9.79999ZM14.8 12.2H10.6V13.4H14.8V12.2Z\" fill=\"#0284FE\" \/>\n                            <\/svg><br \/>\n                                                                    Follow us on Google News                                    <\/a>\n                                <\/p>\n<\/p><\/div>\n<p><a href=\"https:\/\/cryptonews.com\/news\/mortgage-lender-newrez-embraces-crypto-assets-in-loan-decisions\/\" class=\"button purchase\" rel=\"nofollow noopener\" target=\"_blank\">Read More<\/a><br \/>\n Leigha Block<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Crypto Journalist Amin Ayan Crypto Journalist Amin Ayan Part of the Team Since Apr 2025 About Author Amin Ayan is a crypto journalist with over four years of experience in the industry. He has contributed to leading publications such as Cryptonews, Investing.com, 99Bitcoins, and 24\/7 Wall St. He has&#8230; Last updated:\u00a0 January 17, 2026 Newrez<\/p>\n","protected":false},"author":1,"featured_media":885977,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[39471,22149],"tags":[],"class_list":["post-885976","post","type-post","status-publish","format-standard","has-post-thumbnail","category-lender","category-mortgage"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/posts\/885976","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/comments?post=885976"}],"version-history":[{"count":0,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/posts\/885976\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/media\/885977"}],"wp:attachment":[{"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/media?parent=885976"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/categories?post=885976"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/tags?post=885976"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}