Paul Kupiec and Alex Pollock explain in RealClearMarkets how mortgage defeasance helps lenders unlock low-rate mortgage value, with Great Lakes Credit Union's first DREAM transaction as proof.

From 5 to 27 October, Takara is hosting executive roundtables for bank and credit union leaders across seven US cities, twelve sessions in all. Each evening covers how DREAM works, the balance sheet opportunity and the simplicity of a pilot, with open Q&A, and a private dinner follows nearby. Seats are limited. https://roadshow.takara.finance/

Official Announcement: Credit Union Times names Jonathan Arad a finalist in the Executive Leadership - Technology Vendor category of its 2026 Luminaries Awards, recognizing his work building DREAM's rate value preservation model for credit unions.

Alabama ONE and Takara pave the way in home financing by closing the state’s first-ever DREAM transaction, unlocking trapped equity and preserving historic rate value for credit union members.

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

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

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

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

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

How the collapse of prepayment speeds is silently doubling asset duration, driving severe margin compression, and how CFOs can actively reclaim control of their ALM.

How solving the mortgage lock-in problem for just a small percentage of homeowners can restore movement and unlock liquidity across the entire housing ecosystem.

Featured in BankNews: An analysis of the hidden, bottom-line costs that the mortgage lock-in effect imposes on community banks, and how innovative portfolio solutions can safely recover asset velocity and drive new local origination.