Starfield: Dream Home Explained

Dream Home can be your safe haven to hide from the vastness of the galaxies or it can be a long-term headache considering its mortgage.

Starfield Dream home trait
Starfield Dream Home Trait

You can find the Dream Home on Nesoi planet in the Olympus System. You can use the trait to unlock it at the start of the game. However, like most Bethesda titles I have played, this trait comes with a price, literally.

Players must pay a hefty 125,000 Credit as the mortgage. Although I got immediate access to this premium property, the daunting debt proved a tiny problem.

Major Takeaways

  • Dream Home trait lets players access a luxury property on Nesoi planet right at the start of the game without any down payment.
  • The daunting mortgage of 125,000 credits creates a big problem. Players can temporarily cope with it by paying 500 weekly credits to access the house. However, they will still have to pay the entire mortgage to get the complete hold of the house.
  • The trait can be used during the character creation after completing Starfield’s One Small Step main story quest. You can get the home immediately and customize it however you want.

How Does The Dream Home Trait Work?

At the starting stages of the game, when creating their custom avatar while filling in the trait option, players can choose the Dream Home trait. It will grant them immediate access to the property. Here are a few facts about the Dream Home in Starfield:

Dream home trait Strafield
Avatar creation menu – Image Credits: Gamesual
  • If you choose to equip this trait, you must repay the debt to the intergalactic GalBank, a financial institution in Starfield.
  • According to my experience, you must pay this hefty sum episode-wise by paying 500 credits weekly. The principal amount, however, will remain the same.
  • If you cannot pay your weekly credit, the bank will restrict your entry into the property until you pay them the due amount, meaning you won’t lose access to your Dream House.
  • Finally, in the game’s later stages, when you can sell and find expensive loot, paying off the mortgage immediately won’t be a problem.

However, I was not granted access to my Dream Home instantly. Instead, I had to complete the One Small Step, a main story quest in Starfield. Here is a brief walkthrough of this quest:

  • Follow Supervisor Lin to the airlock and find yourself a helmet.
  • Grab the pistol from the gun case and defeat the Crimson Fleet Pirates.
  • Get on Barrett’s ship and let Vasco teach you how to fly it.
  • Go to the Kreet planet and head inside the Kreet Research Laboratory. Defeat all the enemies in there, and, optionally, you can unlock the safe using Digipick and get 1225 credits: Defeat Brogan and his company.
  • Go to New Atlantis in the Alpha Centauri system and enter the Library to meet Sarah Morgan. A few conversations with her will complete the quest for you.

After completing this quest, you will be redirected to a new screen where you can customize your character and choose backgrounds and traits for your character. 

mortgage notification
Mortgage notification – Image Credits: Gamesual

It would be best to meet Landry Hollifield in the GalBank’s main building to discuss the mortgage terms. According to me, they will probably be in the northeast of the New Atlantis‘ central plaza.

Customizing Your Dream Home

Although the house is already a luxurious villa, when you obtain it in the game, it is up to the players to customize it further. One of the first things I did was to customize the house according to my preference. However, make sure to take them without you before leaving the Dream for good as, otherwise, the bank will have complete hold of them, and you will lose their custody.

You can customize the following five categories of customizable options:

  • Crafting
  • Furniture
  • Decorations
  • Displays
  • Miscellaneous
Moving bed
Relocating bed inside the house – Image Credits: Gamesual

Pros & Cons

Whether this trait is worth your money and time in Starfield depends solely on your preferred playstyle. Like me, if you want the whole narrative experience, this might be something you don’t want to miss out on. Moreover, it can be a haven from all the brutalities around the galaxy’s vastness. 

Keeping these things in mind, there are two preferred playstyles with different priorities:

  • Exploration-based Playstyle: If your only priority is exploration, the Dream Home trait is not for you. Most of your time will be spent exploring different planets and places. While doing so, having a substantial financial obligation to pay off at once or weekly can hijack your gameplay experience. 
  • Hub Playstyle: If you are playing Starfield with clear objectives of dominating the game, this trait is more than a luxury. You can arrange meetings, store items, and ship or trade inside this house. If you can use it to run your business, it is worth spending lots of money on it.

However, to get a better understanding, I will try to list all of the pros and cons that come with this investment. Hopefully, after this list, you will be able to make up your mind about whether to spend on the Dream Home or not.


Here are a few notable advantages I would consider if you are planning on equipping the Dream Home Trait:

  • Instead of spending time and resources building a basic and boring outpost, you get instant access to a luxury villa at the start of the game. 
  • Customization is a huge plus point. You get to decorate your house according to your style and preference. 
  • Nesoi and New Atlantis are not far apart from each other. Therefore, you can easily and quickly commute between both places.
  • You can pay the weekly due amount and keep the house to yourself. Later on, after spending the total amount, you can get the house in your name.
  • Moreover, you can leave it anytime without any restrictions or complications.


Here are a few disadvantages I would consider if you still want to use the Dream Home trait:

  • The single episode 125,000 credit mortgage is a constant tension lurking over your head, especially at the start of the game, until you pay it off.
  • Almost everything inside the house is a showpiece, except for two fridges and the kitchen.
Kitchen inside Dream Home – Image Credits: Gamesual

Overall, I’d recommend investing in this house, as you will eventually pay off the mortgage later in the game.

If you don’t find this helpful house, you can unequip the Dream Home trait, and the bank will revoke your access to the house. Here is how you can do that:

  • Go to New Atlantis and meet Landry Hollifield at the headquarters of Galbank.
  • Ignite a new conversation and choose the dialogue ‘I want to talk about my house on Nesoi.’ 
  • After their reply, choose this dialogue: ‘The bank can have the house. Go ahead and foreclose.’
  • After exchanging a few customary dialogues, the house that once belonged to me went to the bank.
  • Make sure to empty the house before foreclosure. Otherwise, the bank will own them as well.
removing dream home in Starfield
Removing Dream Home – Image Credits: Gamesual

My Take On Dream Home

Traits may seem like a good deal on the surface. However, I recommend you pay close attention to their descriptions. From my experience, each trait also comes with a drawback. This made every trait choice for me equally important.

I have tried to list everything you need to know about the Dream Home. Considering the pros, cons, and your preferred playstyle, you can choose to invest in purchasing this luxury property or ignore it for a better cause in the game. 

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