American Homeowner Crypto Modernization Act of 2025

This bill requires several federal agencies to update their automated mortgage underwriting programs, guidelines, standards, and systems. These updates must be completed within 24 months of the bill's enactment to reflect modern financial assets. The primary goal is to mandate that participating mortgage lenders consider the value of a borrower's digital assets held in any brokerage account associated with a cryptocurrency exchange during the mortgage credit evaluation process. This includes agencies such as the Department of Housing and Urban Development, Department of Agriculture, Department of Veterans Affairs, and the Federal Housing Finance Agency, which will apply these requirements to Fannie Mae and Freddie Mac.