Newrez Revolutionizes Mortgages: Cryptocurrencies to Become Part of Loan Qualification Without Liquidation

One of the largest mortgage lenders in the US, Newrez, which ranks in the top five market leaders, has announced an innovative step in the financial sector: starting in February 2026, crypto assets can be used for qualifying for mortgage loans without the need for their liquidation. This means that holders of Bitcoin (BTC), Ethereum (ETH), stablecoins (for example, USD-backed ones), and even SEC-approved spot ETFs on cryptocurrencies will be able to demonstrate their assets for income verification and solvency assessment without selling them.

According to Newrez representatives, this initiative makes the company the first major lender among the top 25 in the US to integrate digital assets into the mortgage origination process. The program will be available as part of the Smart Series product line, non-agency products designed for borrowers with non-traditional income sources.

"We see rapid growth in the number of crypto asset holders, and a clearer regulatory landscape makes this possible," the company noted, emphasizing that this preserves investment autonomy for digital investors.

This move is part of a broader trend of integrating cryptocurrencies into the traditional financial system. According to our research, crypto assets are increasingly viewed as full-fledged assets, similar to stocks or bonds, which allows expanding access to loans for tech-savvy clients. For example, borrowers whose wealth is concentrated in digital investments can now avoid tax implications from selling crypto, while retaining the potential growth of their holdings.

The community's reaction on X, has been mostly positive, with an emphasis on accelerating crypto adoption. Users are calling it a "huge step" for Bitcoin as collateral in real financing, noting that it integrates digital assets into the conservative mortgage lending sector. Some analysts predict that this could stimulate growth in the crypto market, as it will facilitate access to real estate for holders without losing liquidity.

However, experts warn of risks: the volatility of cryptocurrencies may affect asset valuation, and regulatory requirements, such as full disclosure of bank exposure (according to the BIS frameworks from 2026), make this process strictly controlled. Newrez emphasizes that it will only accept regulated and transparent assets, excluding the "Wild West" of crypto.