Bitcoin sa Mortgage? Totoo Ba?

H1: Bitcoin sa Mortgage? Oo, Tunay Talaga

Biglang umulan ng black swan: si Bill Pulte, head ng FHFA, ay humiling na suriin ng Fannie Mae at Freddie Mac ang pagtanggap ng Bitcoin bilang collateral sa mortgage. Tama ka—mabibili mo ang bahay mo gamit ang iyong digital gold nang hindi kailangan magbenta.

Ito ay hindi fantasy—ito ay policy na nagpapatuloy. At oo, ako rin ay nabigla.

Noong dumating ang balita, tumalon ang BTC nang 2.2%, lumampas sa $107K—salamin na hindi nila iniwanan ang mga signal mula Washington.

H2: Sino Ba Sila Fannie at Freddie?

Paunawa: Hindi sila bangko. Sila ang nakatagong engine ng 70% ng mga mortgage sa U.S.

Isipin sila bilang Fed ng real estate—silaw na bumibili ng loan mula sa bangko para makapaglend pa sila. Walang kanila, lulubog agad ang mortgage availability.

Ngayon, tinatanong nila kung tatanggapin nila ang Bitcoin bilang collateral? Parang hinihiling sa gas station na tanggapin ang dragon eggs bilang bayad.

H3: Bakit Ito Mahalaga (At Bakit Dapat Mong Alamin)

Maraming taon, kinakailangan magbenta ng crypto para makapag-apply ng down payment—even kung dalawampu’t lima taon kang nag-iingat dito.

Pero kasalukuyan? Para unti-unting tiningnan natin ito bilang tunay na financial capital—hindi lang spekulasyon.

Kung tanggapin ito, maaaring buksan ang trilyon-trilyong puhunan mula sa mga wallet worldwide.

H4: Ang Katotohanan

Opo, may mga hadlang:

• Patuloy pa rin ang volatility (30% drop overnight = margin call)
• Mas maganda siguro ang stablecoin tulad ng USDC—kung maniwala sila sa kanilang reserves
• Hindi pa alam kung gaano kalaki ‘yung haircut—isisikap ba nila iyan tulad ng stocks?

Ang private lenders tulad ni Milo Credit at Figure Technologies ay may crypto-backed mortgages simula 2022—pero hindi maibebenta sa Fannie/Freddie dahil hindi sumusunod sa federal standards.

Kaya nga, habambuhay pang mainit pero may limitasyon… hanggang ngayon?

H5: Ang Tao Sa Likod Nito – Bill Pulte

Narito yung mas nakakaintriga: Si Bill Pulte ay hindi karaniwang opisyales. Anak ni William J. Pulte—the founder ng pinakamalaking homebuilder sa Amerika—and owns \(500K–\)1M in BTC… plus Solana at Marathon Digital stock.

Ito ay hindi ideolohiya—it’s personal investment strategy + regulatory power.

guilty ba siya? Baka. Pero walang epekto—it’s still significant. The fact that he publicly supports crypto since 2019 suggests this isn’t random—it’s part of a long-term vision for integrating digital assets into legacy finance systems. Pero talaga ba? Bilang isa noon na tawag DeFi ‘future of credit’, sige ko ‘yan over another speech about ‘digital transformation’ from someone whose idea of blockchain is Dogecoin memes anytime.

H6: Ano Susunod? The road ahead is long—but history shows regulation follows innovation when momentum builds fast enough.* We’re not talking about full integration next week.* But even an exploration phase sends massive signals: *- To investors: Crypto is gaining institutional legitimacy *- To builders: More products will emerge around asset-backed financing - To users: Your Bitcoin isn’t just an investment anymore—it could become infrastructure for life decisions like homeownership. In my view,* this marks Bitcoin’s transition from speculative asset → real-world utility. And if that happens at scale? We’ll look back at June 2025 as the moment crypto stopped being fringe—and started being essential.* So yes,* let’s keep our skepticism sharp.* But let’s also admit something rare:* sometimes progress arrives not with fanfare but with quiet emails from government officials asking whether we should allow digital gold to secure American dreams.* If you found this insight useful,* consider following me here—we dissect complex trends so you don’t have to.