When the Housing Market Meets Bitcoin: The Quiet Revolution in US Mortgage Finance

আমি 2 a.m.-এ chamomile-এর চা-পান, BTC/USD-এর 2.2% -এরইউপ-সহচরবৎশত (ইউপ)।

খবর: বিল Pulte, FHFA-এর (Fannie Mae & Freddie Mac) NIDO-1309048757956941166362877501341568098054758204432786369823037150591159892133462474749873216056890641517980661439327)

“তাদের “আমি” BTC-কে “অঙ্গভঙ্গ” -

American Mortgage-er’s Unseen Architects

আমি Fannie Mae & Freddie Mac -এর দশা -

Why This Isn’t Just Another Hype Cycle

জনগণ: “Crypto mainstream?” আমি: “No. It’s structural shift.” • Bill Pulte \(50k-\)1M BTC/SOL-তে invest. • Pro-crypto since 2019. • Trump’s second term appointment → policy shift is real.

Private Lenders Are Already Ahead—And Paying the Price

• Milo Credit: Crypto-backed home loan (up to 100% LTV) • Figure Technologies: $20M+ crypto-guaranteed loans. • Ledn: BTC savings-based dollar loans at 50% LTV (higher interest).

But not eligible for Fannie/Freddie resale → higher risk, no safety net. Like early-stage innovation — brilliant but fragile.

What Does “Valuation” Even Mean for Crypto?

Bank teller asks: “Is that worth anything now?” The truth? No one knows—not even Fed chairs or financial models for stocks/bonds. The system uses ‘haircuts’: if house worth \(500k but volatility risks 30% loss → only count \)350k as equity. The same could apply to BTC—but what haircut? The answer depends on history too: to long-term holders with clean trails may gain credibility while short-term traders won’t be trusted—even if funds are legitimate. The irony? We called crypto decentralized money—but now asking regulators to validate it using tools built for centralized debt systems.

A Moment of Clarity Amidst Chaos

I once panicked when BTC dipped below $60k — sold everything at loss — then watched it soar again while hiding under my blanket like an anxious child. Today? I still feel fear—but I no longer mistake panic for insight. This moment—the moment where digital assets step off the trading floor and onto American front porches—is not about price targets or pump cycles. it’s about trust architecture being rewritten. btc isn’t becoming another investment vehicle. It’s becoming part of America’s financial nervous system—one thread among many that now includes code, consensus algorithms, and cryptographic signatures instead of paper deeds alone. And yes—I think that’s beautiful.But also dangerous.Because when emotion drives adoption faster than understanding does… history repeats itself.> *“The greatest risk is not falling behind technology—but believing it has changed everything before knowing what it truly means.”*So here’s my quiet request: Let us stop chasing narratives.Let us begin measuring impact.Let us track how many homes were actually financed using crypto—not just promises made online.Let us look at loan default rates among bitcoin-backed borrowers over five years.And only then—let us decide whether this revolution needs our heart… or our head more.*You’ve survived past bubbles because you stayed calm.Now survive this one by staying curious.*What was your last moment of irrational hope? Share below—the wisdom grows stronger when shared.