Millions of homeowners are trapped by yesterday's mortgage rates. DREAM unlocks housing mobility without requiring lenders to sell the loans they already own.
A low-rate mortgage shouldn't determine where life keeps you.
DREAM enables qualified homeowners to unlock savings from their mortgage and move forward, while creating value for the lender.
Simple for the borrower. Powerful for the lender.
How lenders are helping borrowers overcome mortgage lock-in.
Partners & Advisors
Step 01
Sandbox Pilot
Run a limited number of DREAM transactions end-to-end to validate workflow, documentation, reporting, and borrower experience.
Time to first transaction
~
weeks
Step 02
Integrate workflows, automate processes, and prepare for scale.
Per borrower transaction
Of eligible pool
Trademark registration underway.
The DREAM transaction structure is protected by a pending U.S. patent.
FAQ
What is DREAM?
How does DREAM benefit financial institutions?
How do borrowers benefit?
How does the financial institution avoid taking a loss or haircut?
Why would a bank or credit union participate?
Is this a loan sale program?
Is DREAM difficult to implement?
Who is Takara?
Can consumers work directly with Takara?
