The lenders stated perspective is rugability. For example in many regions they will not lend against a house without a concrete foundation that it is attached to so that it cannot disappear after the mortgage is placed.

It is more structural than mere structure :-) .. for a young couple , investing in home beats any other investment..including bitcoin Home ownership helps grow neighborhood which helps grow babies :-) ..besides it is the backbone of American capital market .. This short video is from longer audio episode that explains lot more .. https://fountain.fm/episode/ziZu1t1Yhp2qATAM1U3p