How a new U.S. bill could let you use Bitcoin for home loans

Key Points

1. The bill H.R. 4374 was introduced on 14th July 2025 to update federal mortgage underwriting systems to include cryptocurrency assets.

2. ARK Invest’s Cathie Wood praised the bill, stating it could enhance Bitcoin’s role in mainstream finance and assist younger, crypto-savvy buyers.

3. The bill aligns with FHFA Director Bill Pulte’s June 2025 announcement to incorporate crypto into mortgage evaluations.

4. Despite the failure of a key procedural vote during 'Crypto Week' in Washington, lawmakers continue advancing new proposals like this bill.

5. The U.S. remains divided on Bitcoin legislation, while other countries are making faster progress in crypto adoption.