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The conversation around housing mobility.

The conversation around housing mobility.

Insights, interviews, and perspectives on mortgage lock-in, housing mobility, and the future of home finance.

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First closing of principal discount tool gives banks, CUs a lock-in exit

First closing of principal discount tool gives banks, CUs a lock-in exit

As showcased in American Banker, Takara’s milestone transaction provides financial institutions with a concrete roadmap to break the mortgage stagnation and optimize low-coupon loan portfolios.

As showcased in American Banker, Takara’s milestone transaction provides financial institutions with a concrete roadmap to break the mortgage stagnation and optimize low-coupon loan portfolios.

As showcased in American Banker, Takara’s milestone transaction provides financial institutions with a concrete roadmap to break the mortgage stagnation and optimize low-coupon loan portfolios.

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Alabama ONE Credit Union and Takara complete first DREAM transaction in state history, delivering $95,400 to Alabama family at closing

Official Announcement: Alabama ONE and Takara finalize Alabama’s inaugural DREAM transaction, putting $95,400 back into a homebuyer's hands.

Articles & Press Mentions

Alabama One Reports it Has Closed First ‘DREAM’ Mortgage in the State

Alabama ONE partners with Takara to complete the state’s first DREAM mortgage, tackling rate lock-in and boosting member mobility.

Articles & Press Mentions

Alabama ONE Credit Union and Takara Complete First DREAM Transaction in State History, Delivering $95,400 to Alabama Family at Closing

Alabama ONE and Takara close a historic first-in-state DREAM transaction, delivering $95,400 directly to an Alabama family at closing.

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Alabama ONE Credit Union and Takara Complete First DREAM Transaction in State History, Delivering $95,400 to Alabama Family at Closing

Alabama ONE and Takara close a historic first-in-state DREAM transaction, delivering substantial savings and unlocking new homeownership opportunities.

Articles & Press Mentions

Alabama ONE Completes State's First DREAM Mortgage Transaction

Alabama ONE credit union marks a major milestone by closing the state’s first home purchase using the DREAM mortgage product.

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What You May Not Realize About Mortgage Lock-In Effect & What You Can Do

Featured in CU Daily: A closer look at the hidden costs of the mortgage lock-in effect for credit unions, and the concrete steps institutions can take to solve it with the DREAM Program.

Articles & Press Mentions

How Great Lakes is Solving Today's Mortgage Lock-In Effect with a 'DREAM'

Featured on CUbroadcast: Great Lakes Credit Union discusses how the DREAM Program is solving today's mortgage lock-in effect for its members. Note: this is a podcast episode — place it in the Podcast Appearances category, not Articles & Press Mentions.

Articles & Press Mentions

Great Lakes Credit Union, Mortgage Forward and Takara Close First-Ever DREAM Transaction, Making History in U.S. Mortgage Market

Featured in Fintech Futures: A global fintech audience reads how Great Lakes Credit Union, Mortgage Forward, and Takara closed the first-ever DREAM transaction, a milestone for mortgage-mobility technology.

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GLCU Member Receives $41K Mortgage Reduction Through DREAM Program

As reported in Credit Union Times: A Great Lakes Credit Union member receives a $41K mortgage reduction through the DREAM Program, the first tangible proof point of Takara's principal-discount model.

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This Credit Union Just Handed a Couple $41K to Break Free From Their Old Mortgage — And It Could Change Everything

Featured in The Credit Union Connection: One member's $41K mortgage payoff discount through the DREAM Program illustrates the real, dollar-for-dollar impact of Takara's mortgage mobility model.

Want to cover what we're doing?

We welcome inquiries from members of the media, industry analysts, and event organizers covering mortgage finance, housing, and financial innovation.

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Want to cover what we're doing?

We welcome inquiries from members of the media, industry analysts, and event organizers covering mortgage finance, housing, and financial innovation.

Book a call

Want to cover what we're doing?

We welcome inquiries from members of the media, industry analysts, and event organizers covering mortgage finance, housing, and financial innovation.

Book a call

Want to cover what we're doing?

We welcome inquiries from members of the media, industry analysts, and event organizers covering mortgage finance, housing, and financial innovation.

Book a call

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© 2026 Takara Inc. All rights reserved.

Finance that restores freedom.

For borrowers. For lenders. For life.

Legal

Privacy

Terms

Disclosures

© 2026 Takara Inc. All rights reserved.

Finance that restores freedom.

For borrowers. For lenders. For life.

Legal

Privacy

Terms

Disclosures

© 2026 Takara Inc. All rights reserved.

Finance that restores freedom.

For borrowers. For lenders. For life.

Legal

Privacy

Terms

Disclosures

© 2026 Takara Inc. All rights reserved.