Holding hundreds of thousands in market cap BTC/ETH but want to buy a house? The old rules were simply torturous—first had to cash out into USD, and then wait 60 days in the bank account for the funds to be considered "mature," which not only meant missing out on price rallies but also caused anxiety over missing the opportunity. Now, things have changed. Major US lender Newrez recently announced: starting from February, crypto assets can be directly included as qualifying assets when retail clients apply for a mortgage. In other words—no need to sell your coins, no cooling-off period required, and after passing risk assessments, you can use your digital assets to strengthen your approval conditions.

How disruptive is this move? In the US mortgage industry, requirements for asset compliance have always been strict. Having 100 BTC is useless if you first need to convert it into USD and then wait for regulators to confirm the funds' "source of origin." This time, Newrez has directly broken that logic, operating entirely within the framework of FHFA (Federal Housing Finance Agency), with risk testing and custodial processes pre-approved. This isn't just testing the waters; it's clearly seizing regulatory advantages.

For holders, the benefits are obvious: first, no more dilemma over whether to sell or not. Your Bitcoin continues to appreciate, while simultaneously improving your mortgage approval conditions—both achieved. Second, crypto assets finally have an official status within traditional financial systems. Over 23 million crypto holders in the US no longer need to tie their home-buying dreams to coin price fluctuations. Third, the approval process is simplified, eliminating the hassle of cashing out and waiting periods.

From a broader perspective, this also signals the erosion of barriers between crypto assets and traditional real estate finance. The two previously disconnected worlds are now beginning to find a connection. This is an important signal for the overall maturity of the market.