Really just depends on if you want a house in the next 5 years or so. Otherwise you can probably wait it out until you can just buy a house outright as long as your stack is big enough.
Discussion
I can see that is how that would be a concern for many. It's hard for me to articulate well why I still think it's silly.
Seems to me that financing in all forms could go away and we would all be better for it. Lower time preference is always the way, in my opinion. Banking and owing money for things seems absurd in a bitcoin future. To me...