You mean the same banks who were underwriting NINA mortgages as fast as they could print them out back in 05-07? (That's "No Income, No Asset", for those of you who do not recall.)

As long as you've got a reasonable downpayment (or paid for some sort of default insurance), or you at least paid on the mortgage for a few years, the bank has little chance of losing their money. It's YOUR money at risk, not theirs.

If you default and your property value has dropped 20% due to rising seas - but you had a 20% downpayment - the bank will end up whole, only you will be wiped out.

In a well-constructed mortgage, the bank has essentially zero risk of loss.

"Banks" don't write mortgages, bankers do, and they worry about making their money now. They aren't on the hook for the long run.

Even banks aren't, they are going to package up the mortgages and sell them to someone else.

We know mortgage writers don't care about the long term viability of their loans, just look at the subprime mortgage crisis from last decade.

> I have unwavering faith in climate change.

That sounds like a religious statement, not a scientific one.