There are already many innovative mortgage approaches being taken.

https://www.cnbc.com/video/2024/11/22/why-newmarket-capital-ceo-andrew-hohns-is-fusing-loans-with-bitcoin.html

Quick steps:

1. You apply for a mortgage.
2. The lender issues you money to buy property plus additional money to buy bitcoin
3. The bitcoin is jointly held by you and lender...and must remain untouched for 4 years minimum
4. At the end of 4 year period, you have option of "cashing in" the bitcoin and using proceeds to paydown mortgage.

So in theory, it could work like this:

• you could find a house selling for $500K and the lender provides you the $500K in cash and provides an additional $100K to buy 1BTC
• the 1BTC is jointly held by both parties for 4 years
• In the meantime you pay mortgage note as you normally would
• At 4 year point, BTC is now trading at $450K and you elect to cash-in the bitcoin and the house is yours free and clear