FTTH

I wonder if anyone has tried hard to at getting mortgage companies involved in the FTTH broadband business, at least for financing. Obviously financing is one of the more difficult parts of planning and building a community or locally owned FTTH network. But broadband is an increasing necessity for success in education and employment, as well as increasingly affecting home values. Since most homes are under an active mortgage already, and the value of that mortgage greatly exceeds the cost of hooking the average home up to fiber, it seems like it would be a great idea for a city to work with the major lenders to finance a FTTH network: mortage companies have the incentive to maintain the value of their investment, not to mention successful homeowners can pay their mortgage.
  Imagine an underserved community wants to build a broadband network themselves, either because they lack access or lack the competition to keep prices reasonable. First they create a plan that determines they need, say, 30% of homes to each pay ~$3k in order to fund the project(these numbers are fake examples, but hopefully close enough to reality for our purposes). Since most homes are under active mortage, rather than homeowners paying that out of pocket, perhaps they can work with lenders to rewrite mortgages to tack it on to housing costs(where it rightfully belongs anyway). Homeowners might be willing to do this as their immediate out of pocket cost would be negligible(since they're paying $4k over 20 or 30 years it would be a minor blip on their bill). Lenders might be willing to do this since it is extremely low-risk(an extra $4k on a home loan won't make much of a difference if it goes under, but could in fact save more value than that due to home prices being higher for well-connected neighborhoods). An additional incentive for homeowners is they could become part-owners of a business, and end up making money by selling service to their neighbors who choose not to join the initial funding.