New Rules of Homebuying: Gen Z, AI Tools, and Crypto Are Changing the Game

Let’s be real, buying a home in 2025 doesn’t look anything like it did even five years ago. Especially if you're part of Gen Z or a first-time buyer, you’re walking into a mortgage landscape that’s being rewritten in real time. AI tools, non-bank lenders, and even cryptocurrency are shaking things up, and for the better.

So what’s actually changing? Here’s what you need to know if you want to navigate this new world like a pro.

🔹 Gen Z Is Showing Up and Changing Expectations

Gen Z now accounts for roughly 25% of first-time homebuyers. That’s not a ripple, it’s a wave.

They’ve grown up with smartphones, Venmo, and same day delivery. So, the old school mortgage process paperwork, fax machines, and “we’ll get back to you in 3–5 business days” isn’t cutting it.

What they want:

·       Speed

·       Simplicity

·       Competitive Pricing

·       Clear Communication

In other words: They’re not afraid to shop around, do their homework online, and expect transparency. You need a mortgage broker with these qualities.

🔹 The Rise of Smart Mortgage Tech

AI-powered underwriting and automation tools are taking a wrecking ball to outdated systems. This means:

• Faster pre-approvals (sometimes instant)

• VantageScore 4.0 now counts rent, utilities, and subscription payments which is a game changer for first-time buyers who don’t have deep credit histories.

• More flexible borrower profiles are great for gig workers, freelancers, and self-employed buyers

Even non-bank lenders are using machine learning to assess risk more creatively, opening doors for people who’ve historically been boxed out by rigid criteria.

Pro Tip: The more information you can offer, the more likely you are to be pre-qualified.

🔹 Crypto: From Curious Asset to Potential Collateral

This one’s wild, but real. The Federal Housing Finance Agency (FHFA) is actively exploring the use of cryptocurrency assets as acceptable collateral in mortgage evaluations.

While it's not mainstream yet, some non-bank and portfolio lenders are already dipping their toes into crypto-backed lending. If you’re holding crypto on a regulated platform and you’re not tapping into that value, it might be time to see what’s possible.

Heads-up: Crypto volatility is still a thing, and most major banks are steering clear for now. But it's worth watching, especially for early adopters with skin in the game.

🔹 What This Means for You

If you’re buying your first home or advising someone who is, this moment is filled with opportunity. The rules are being rewritten. And in many ways, it’s finally tilting in favor of the buyer.

Here’s how to use that to your advantage:

• Work with a broker who understands digital tools and non-traditional income documentation

• Ask about lenders using VantageScore 4.0 (rent + subscriptions can finally help you)

• If you own crypto, ask if it can be considered as part of your asset profile

• Don’t settle for slow, outdated processes, speed matters, especially in competitive markets

🔹 Ready to Buy on Your Terms?

Whether you’re just curious or already house-hunting, this market rewards smart, proactive buyers. I work with a range of lenders who are embracing tech and making mortgages work better for modern buyers.

Let’s talk and explore what that looks like for you.
📞 James Govier 919-909-5941

Welcome to the new rules of homebuying. Let’s make them work for you.