Dream Home | Starfield Wiki

Dream Home is a Trait in Starfield. Dream Home is a Trait that offers ownership of a luxurious customizable house on a peaceful planet, though burdened with a 125,000 credit mortgage from GalBank requiring interest-only payments to give you weekly access. Each Starfield Trait provides the player character with its own unique advantages and disadvantages to gameplay. You can select up to 3 traits during Character Creation but players need to note that some Traits cannot be equipped together. 

 

 Click the following links below to view the section of the guide:

1. What are the Effects of the Dream Home Trait in Starfield
2. How Dream Home Trait Works In Starfield
3. What Happens If You Don't Pay Mortgage in Starfield
4. Dream Home Location in Starfield
5. How to Decorate Dream Home in Starfield
6. How to Get Dream Home Trait
7. How to Remove Dream Home Trait
8. Dream Home Builds
9. Dream Home Notes and Tips

 

 

Starfield Dream Home Effects

Choosing the Dream Home trait in Starfield grants the following Benefits and Drawbacks:

• Benefit: Ownership of a luxurious, customizable house on a peaceful planet.
• Drawback: Comes with a 125,000 credit mortgage with GalBank that must be paid weekly.

Dream Home is not compatible with the following Traits:

• There are no incompatibilities

 

How Dream Home Trait Works Starfield

Starfield is set in a distant future where humans still retain many of Earth's history and social practices. This even includes paying a hefty mortgage for your luxurious property on a peaceful planet. This is called Dream Home. By choosing to have this trait during Character Creation, you will instantly have a house to your name but the downside is, that you have to pay it off through Galbank, for the price of 125,000 Credits.

The house is accessible only to players with the Dream Home trait and you can only go inside after completing the Main Mission: 'One Small Step', a new mission will appear for you called 'Dream Home' with the objective: "Visit Dream Home on Nesoi." Nesoi is a planet found within the Olympus System.

As soon as you arrive at the door of your Dream Home, you will get a message informing you that GalBank has locked your house until you make an interest-only payment that will give you weekly access to your unit, or until you can make a full payment to your bank. Then, you can either choose to pay the 500 credits or leave. You will then get a new objective for Dream Home: Go and See Landry Hollifield in New Atlantis about the Mortgage.

Your next travel destination is Jemison, a planet found within the Alpha Centauri System. There is a busy town here called New Atlantis where you can find a representative to speak to about your Dream Home Mortgage with GalBank. Luckily this building is easy to locate by following our guide so you can find Landry Hollifield's Location:

1. Travel to Jemison in the Alpha Centauri System.
2. Head towards the MAST District found between the Commercial and Residential Districts.
3. While facing the Main Building, follow the outlines of the district leading to the right side.
4. Continue following this path and you will find yourself in the Commercial District.
5. Walk at the edge of the district, you will see a building with a big GalBank signage.
6. Head inside the building to find Landry Hollifield.

NOTE: This second mission is optional, but we recommend doing this so that you can get the option to make a one-time payment for your mortgage.

 

What Happens If You Stop Paying Mortgage in Starfield

 As you talk to Landry Hollifield about your Mortgage with GalBank, he will tell you about the setup, and here are the important things to know about paying your mortgage in Starfield:

• You can only pay off your mortgage at GalBank once you have the lump sum of 125,000 Credits.
• You can pay off the weekly interest-only payments amounting to 500 credits. This will give you continuous access to your home, as long as you pay it when it's due.
• If you miss out on a weekly payment, they will not take away your home, but you will lose access to the house.
• If you decide that you no longer want the house, ask GalBank to foreclose on it. Doing this method will remove the Dream Home trait from your character.

 

Dream Home Location

 Your Dream Home location is found on a planet called Nesoi, on the Olympus System. To get there, simply navigate to the planet with your ship, and use grav-jump to the Olympus System. Rotate the planet view until you see the Landing Area for your Dream Home.

 

How to Decorate Dream Home in Starfield

 Having a luxurious home means you also get to decorate it as you wish. In Starfield, players are given the freedom to customize their interior (as long as they have gathered all the required resources and materials) in any way they prefer.

To begin customizing your Dream Home, all you have to do is go inside and walk up to the panel on the wall facing you. You can begin decorating by interacting with this panel, and you will enter Build Mode. This is where you can choose items to decorate your home with and place them wherever you wish.

 

Decor Options for Dream Home in Starfield

 

 

How to Get Dream Home in Starfield

• Dream Home can be chosen during Character Creation

 

How to Remove Dream Home in Starfield

Dream Home can be removed after completing the following tasks:

• Go to GalBank's building at the Commercial District in New Atlantis (Jemison, Alpha Centauri System)
• Speak with Landry Hollifield and allow the Bank to foreclose on your house.

By following the tasks above, the Dream Home trait will be permanently removed from your character. Officially, Starfield doesn't allow the modification of traits after Character Creation. However, you may check our Cheat Codes page to see the info on how to replace traits with codes, especially if you have decided that you no longer want the Dream Home trait.

 

Builds that use Dream Home in Starfield

Dream Home is used in the following Builds:

__builds__

 

Starfield Dream Home Notes & Tips

• Triat ID: 00227FDF
• The 500 credits weekly payment is an interest-only payment and doesn't take off an amount from the total of 125,000 credits.
• You can only make a one-time full payment of 125,000 credits after speaking to Landry Hollifield from GalBank.
• You can get rid of the home, including the Dream Home trait by asking the bank to foreclose on it.
• If you decide to give up on your 'Dream Home' by foreclosing on it, any items inside the house will be lost.

 

 

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