Think Covid-19 disease influenced a lot on decision of many citizens to buy suburban housing by means of mortgage. Don’t think that crypto can somehow to help in building new houses and to lower prices on them. Scarce goods always inflate in price. Only oversupply of houses can help to decrease prices or, probably, the full end of covid-quarantine.
Mortgage in US AFAIK is expensive so I think that its not really a good choice and since a lot has been laid off in the pandemic then most I think are renting and the prices on some places are astronomically high like New York. The reason that the rise in rents is because land as a resource becomes more scarce overtime so they have to raise the price of real estate and the inflation.