At Takara, we’re committed to helping homeowners break free of the 'Mortgage Lock-In Effect.'

We work with lenders, particularly those with a large portfolio of low interest rate mortgage loans, enabling them to offer their borrowers a way to buy a new home without losing money on the higher interest purchase.
With 60% of residential mortgages locked in at rates of 4% or less, millions of homeowners are reluctant to sell or move due to rising real estate costs and higher prevailing rates. Banks and Credit Unions are burdened with vast amounts of stagnant, low-yield loans, facing compressed margins and minimal turnover.
 
Takara transforms the ‘Lock-In Effect’ into a strategic opportunity, unlocking unprecedented benefits for lenders and borrowers.

Our innovative solution, DREAM, enables lenders to offer borrowers a substantial discount on their outstanding principal, giving them greater flexibility and options to sell or move while increasing the equity in their home. For lenders, DREAM creates new revenue streams, boosts loan originations, and helps deposits growth. 
 
A true win-win!

Takara

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Takara

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