Mortgage
Rate has introduced RateFi, a new mortgage product that allows qualified borrowers to use verified cryptocurrency holdings for income and asset qualification without selling them. The program operates within Rate's digital mortgage platform and adheres to standard compliance measures. It aims to provide a practical path to homeownership for digital asset holders.
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Newrez, a major U.S. mortgage lender, will start recognizing Bitcoin, Ethereum, and U.S. dollar-backed stablecoins as assets for certain nonagency loan programs from February onward, without requiring borrowers to sell them. This move allows digital holdings to count toward asset verification and income estimates, similar to traditional investments like stocks. The announcement reflects growing integration of crypto into mainstream finance amid a supportive regulatory environment.