Owning crypto should not disqualify you from owning a home. The American Dream is homeownership. Washington keeps making it harder to get there. Hardworking Americans who have built real wealth through cryptocurrency cannot use those assets to qualify for a mortgage. The system is stuck in the past, and our American Homeowner Crypto Modernization Act brings it into the 21st century. The bill requires HUD, USDA, the VA, and the Federal Housing Finance Agency to update their mortgage underwriting guidelines so verified crypto holdings count when evaluating a borrower's creditworthiness, not just traditional bank assets. If you worked hard, built wealth, and want to buy a home, the federal gov…