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Modern Capital Solutions for today’s Dynamic Lending Market

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A fintech platform that delivers yield, liquidity, and growth for lenders while meeting the evolving needs of today's homeowners

Today’s mortgage structure creates bottlenecks that hurt both households and institutions.
Takara changes that.
We’ve built a bridge between long-term affordability and capital strategy, so more people can access the homes - and lives - they want.

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Tailored Loan Solutions for Every Need

We provide a suite of products designed to help you and your customer.

 

New

 

Move

Facilitate seamless transitions for homeowners looking to move up, down, or relocate. Our program provides financial incentives to refinance existing low-rate mortgages as part of the new home purchase.
Benefits: Flexibility for homeowners, increased loan volume for lenders.
Target Audience: Homeowners seeking to change their living situation.

 

Coming soon

 

Real Estate Investors

Offer specialized financing solutions for real estate investors, including flexible terms and access to capital for property acquisitions and refinances. We also facilitate the refinancing of existing low-rate mortgages on investment properties.
Benefits: Access to financing for investors, high-value loan originations for lenders.
Target Audience: Real estate investors.

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Coming soon

 

Debt Reduction

Help homeowners reduce their overall debt burden by refinancing their existing mortgage and using the equity to pay off high-interest debts. We consolidate multiple debts into a single, lower-rate loan.
Benefits: Reduced monthly payments for homeowners, improved customer financial health for lenders.
Target Audience: Homeowners with high-interest debts.

 

Coming soon

 

Debt Reduction & Consolidation

An enhanced debt reduction solution that consolidates multiple debts into a single loan, simplifying finances and reducing stress.
Benefits: Comprehensive financial simplification for homeowners, increased loan amounts for lenders.
Target Audience: Homeowners seeking complete debt management solutions.

The process
How it works

1

Offer -DREAM quote
Lender offers borrowers discount
if they move and repay early – DREAM quote provided by Takara​.

2

Transaction - Replace borrower & collateral
Borrower sells property and repays with a discount.
Takara’s Successor Borrower assumes debt in full and purchases GSE MBS pre-approved by lender. MBS placed in Trust​ - lender has security interest in Trust’s assets.

3

Servicing via Trust
Trust’s assets secure loan payments to maturity, executed by FDIC bank as Trustee.

DREAM Calculator

Please provide the following information for us to generate the most accurate results. Fields with * are required.

DREAM Quote

$424,474

Discount

$75,526

Disclaimer: The material on this site is intended solely for informational purposes. Under no circumstance shall it be construed, by implication or otherwise, as legal, tax, or investment advice. Synthetic Prepayment™ is a registered trademark, all rights reserved. 

All rights reserved to Takara Capital Inc., 2025.

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