Mortgage Navigator • Conventional • Assets & Reserves
Cryptocurrency assets
Crypto value on a screen is not automatically verified mortgage closing cash.
Conversion and documentation
Agency rules require an acceptable documented asset trail. When cryptocurrency is used, the lender generally needs to document eligible conversion into an acceptable financial account and the source/ownership trail required by the selected agency.
Freddie expressly addresses crypto
Freddie's current Section 5501.3 includes cryptocurrency within its borrower personal-funds framework and sets the applicable eligibility/documentation requirements.
Plan ahead: last-minute crypto liquidation can create both volatility and sourcing problems. Convert and document according to the loan's agency requirements.
Official guide baseline
Fannie Mae Selling Guide · Freddie Mac Seller/Servicer Guide
Asset eligibility depends on ownership, accessibility, documentation and how the funds are being used.