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About

Mortgage lock-in is largely a U.S. problem.

In most countries, homeowners can move without sacrificing the value in their existing mortgage. Yet millions of Americans remain trapped by yesterday's interest rates.

Takara was founded to change that.

By adapting proven concepts to U.S. capital markets, we're helping unlock housing mobility for homeowners and create value for the institutions that serve them.

Fixing what's broken. Inspired by what works.

The U.S. market

Approximately $7 trillion of U.S. mortgages sit at or below 4%. Families can't move. Institutions can't originate. Housing supply tightens. The market freezes.

It isn't a cyclical problem. It's a structural one. The U.S. mortgage never had a built-in release valve.

What works elsewhere

In Denmark, borrowers can repay at market value. When rates rose, prepayments tripled. No lock-in. No frozen portfolios.

DREAM adapts that principle to U.S. capital markets, using existing GSE collateral, existing trust structures, and existing legal frameworks.

Fixing what's broken. Inspired by what works.

The U.S. market

Approximately $7 trillion of U.S. mortgages sit at or below 4%. Families can't move. Institutions can't originate. Housing supply tightens. The market freezes.

It isn't a cyclical problem. It's a structural one. The U.S. mortgage never had a built-in release valve.

What works elsewhere

In Denmark, borrowers can repay at market value. When rates rose, prepayments tripled. No lock-in. No frozen portfolios.

DREAM adapts that principle to U.S. capital markets, using existing GSE collateral, existing trust structures, and existing legal frameworks.

Three founders. One conviction.

Born in Israel. Built for the U.S. mortgage market.

We saw a problem that much of the world had already solved.

By combining expertise in technology, finance, and capital markets, we founded Takara to help unlock housing mobility in America.

Eran Peter

Co-founder & CFO

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Jonathan Arad

Co-founder & CEO

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Itamar Bar Tura

Co-founder & CTO

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Rick Lutz

Business Development

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Diana Soriano

Customer Experience

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Our advisory board.

Operators from the NCUA, FreddieMac, Wells Fargo, and KeyBank.

Chris Harris

Former CFO & CSO, SAFE Credit Union.

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James M. Finn

President & CEO, The Kerryman Finn Group, LLC.

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Former Head of Origination, FreddieMac &

PenFed.

James Cotton

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Debbie Matz

Former Chair, NCUA.

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Brad Blackwell

Homeownership Growth, Wells Fargo.

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Rami Kalish

Managing Partner & Co-founder, Pitango VC.

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It's your move.

Discover how DREAM creates value for your borrowers, and your institution.

Book a Call

It's your move.

Discover how DREAM creates value for your borrowers, and your institution.

Book a Call

It's your move.

Discover how DREAM creates value for your borrowers, and your institution.

Book a Call

It's your move.

Discover how DREAM creates value for your borrowers, and your institution.

Book a Call

Finance that restores freedom.

For borrowers. For lenders. For life.

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Finance that restores freedom.

For borrowers. For lenders. For life.

Product

Company

Legal

Privacy

Terms

Disclosures

Finance that restores freedom.

For borrowers. For lenders. For life.

Product

Company

Legal

Privacy

Terms

Disclosures

Finance that restores freedom.

For borrowers. For lenders. For life.

Product

Company

Legal

Privacy

Terms

Disclosures