In a groundbreaking move for the real estate and crypto markets, Newrez, one of the largest mortgage lenders in the U.S., has announced that it will begin recognizing crypto assets for mortgage qualification starting February 2026. This marks a significant shift in how digital wealth is viewed in traditional finance — and could open the doors for millions of crypto holders looking to enter the housing market.
Traditionally, mortgage lenders require assets to be converted to cash or fiat before they can count toward loan approval. But with Newrez’s upcoming program, borrowers will not be required to liquidate their crypto holdings to qualify. This policy shift could dramatically simplify the mortgage process for crypto-savvy investors.
A Big Win for Crypto Adoption in Traditional Finance
Newrez’s decision signals growing mainstream acceptance of cryptocurrency as a legitimate form of wealth. By acknowledging the value of digital assets without forcing liquidation, the lender is adapting to the evolving financial landscape — where more individuals and businesses hold a significant portion of their net worth in crypto.
The move is especially impactful at a time when crypto markets are maturing and becoming more stable. Recognizing crypto assets may encourage more responsible holding behavior, as borrowers can leverage their portfolios without incurring tax events from liquidation.
LATEST: Major lender Newrez announces plan to recognize crypto assets for mortgage qualification without liquidation in the US, launching in February. pic.twitter.com/VEPwKTGQBA
— Cointelegraph (@Cointelegraph) January 16, 2026
What Borrowers Should Expect
The new program will likely include vetting procedures to assess the stability, custody, and value of crypto holdings. Assets stored in recognized custodial wallets or platforms will probably be prioritized to reduce risk on the lender’s side.
While exact criteria haven’t been fully disclosed, this change could set a precedent for other lenders to follow suit. As regulations around crypto continue to clarify, more traditional financial institutions may be willing to bridge the gap between digital and real-world assets.
With its February launch on the horizon, Newrez’s initiative could become a major turning point in making homeownership more accessible to the crypto-native generation.