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When you’re prepared to begin your house property portfolio in Starfield, you will get a villa proper from the beginning. The Dream Home trait, which you’ll be able to select throughout character creation, offers entry to a flowery villa on a pleasant planet. Nevertheless, there are a number of caveats to contemplate earlier than diving headfirst into dwelling possession.
To be sure to’re not caught out by any small print, we’ve coated the whole course of under, together with how the Dream Residence trait works, tips on how to discover your Dream Residence, and tips on how to pay it off, plus a breakdown on if the Dream Residence trait is value it.
How the Dream Residence Trait works
![A menu shows the Dream Home trait in Starfield character creation.](https://cdn.vox-cdn.com/thumbor/DTrnqlCZsVb99RZFqWbr-rH8B2E=/0x0:3840x2160/1200x0/filters:focal(0x0:3840x2160):no_upscale()/cdn.vox-cdn.com/uploads/chorus_asset/file/24894573/dream_home_trait_starfield.jpg)
Picture: Bethesda Recreation Studios/Bethesda Softworks through Polygon
When you’ve spent the customary few hours designing your avatar, you’ll want to select some traits that can additional floor your character. The Dream Residence trait saddles you with a hefty debt from the get-go in return for speedy entry to top-of-the-line properties within the recreation.
The debt we’re speaking about is a mortgage to the tune of 125,000 credit, which you’ll owe to Starfield’s intergalactic GalBank. To personal the home and use it freely, you will have to pay this debt off. Consider GalBank like a celestial Tom Nook who needs all the cash upfront. Nevertheless, particularly within the early recreation, incomes 125,000 credit is a tall order.
![A prompt directs the player to pay 500 credits to enter the Dream Home on Nesoi in Starfield.](https://cdn.vox-cdn.com/thumbor/IugpRsjkxdwNIqkFlxEI3y9YmB8=/0x0:3840x2160/1200x0/filters:focal(0x0:3840x2160):no_upscale()/cdn.vox-cdn.com/uploads/chorus_asset/file/24894576/starfield_dream_home_payment.jpg)
Picture: Bethesda Recreation Studios/Bethesda Softworks through Polygon
Alternatively, you’ll be able to pay 500 credit on a weekly foundation to get within the door earlier than settling the debt, although notably, these installments won’t deduct something from the whole sum owed. Fortunately, in contrast to an precise mortgage, for those who don’t pay, GalBank gained’t evict you. You simply gained’t be capable of get into the home with out paying a payment.
When you can deal with paying 500 credit per week, there actually is not any strain to settle the debt immediately, or in any respect. As you push by way of the sport, you’ll decide up dearer loot to promote that’ll simply cowl the doorway payment, and ultimately, the mortgage itself. When you want a bit of further assist bringing dwelling the bacon, although, we’ve got a information on how to earn credits fast that may assist increase your funds within the early-game.
Is the Dream Residence Trait value it?
![The Dream Home home looms on the horizon at sunset in Nesoi in Starfield.](https://cdn.vox-cdn.com/thumbor/bZdm6QlyRnHHISqfZSOhiY4-myU=/0x0:3840x2160/1200x0/filters:focal(0x0:3840x2160):no_upscale()/cdn.vox-cdn.com/uploads/chorus_asset/file/24894673/starfield_dream_home_trait.jpg)
Picture: Bethesda Recreation Studios/Bethesda Softworks through Polygon
As is the case with most perks in most RPGs, the trait’s precise worth comes all the way down to how you propose to play. Your needs to be pushed by your intentions, whether or not you’re targeted on cozy house residing or exploratory pirate pillaging. For somebody like me, who enjoys spending my time moseying by way of house — crafting, cooking and indulging in Starfield’s astro life-style — the Dream Residence trait was a sensible selection, even with the mountains of related debt.
Nevertheless, for those who’re extra eager on adventuring and don’t need to be beholden to a monetary establishment, you could need to keep away from taking the trait. You don’t want the Dream Residence trait to get a house, and can quickly get varied choices. Plus, even with the Dream Residence, for those who’re a eager adventurer, you’ll doubtless construct outpost as you enterprise additional into house, and you could not see the profit.
The place to search out the Dream Residence home
When you’re in the primary recreation with the Dream Residence trait, you’ll have to leap by way of a number of hoops to realize entry to your new property. Primarily, you’ll have to finish the “One Small Step” primary story quest first, which frees you as much as discover the galaxy and search out your new digs.
![A map of Nesoi shows the Dream Home location in the Olympus system in Starfield.](https://cdn.vox-cdn.com/thumbor/R35t7Ye0ReZCfx0LdDse6NE7PQw=/0x0:3840x2160/1200x0/filters:focal(0x0:3840x2160):no_upscale()/cdn.vox-cdn.com/uploads/chorus_asset/file/24894558/starfield_nesoi_dream_home.jpg)
Picture: Bethesda Recreation Studios/Bethesda Softworks through Polygon
Your new house is positioned on Nesoi within the Olympus system, so hop in your ship, verify the Starmap, and grav-jump to that pocket of the galaxy. When you’ve discovered Nesoi throughout the system, you’ll be able to rotate across the planet till you discover the touchdown level known as “[Player Name] dwelling.” Land there and ascend a small hill out of your ship, and also you’ll discover the Dream Residence home.
Methods to repay your Dream Residence
![An explorer stands outside Galbank in New Atlantis in Starfield while trying to pay off the Dream Home trait.](https://cdn.vox-cdn.com/thumbor/FXri_jHSYhaY7uuX3TKpESrfeaI=/0x0:3840x2160/1200x0/filters:focal(0x0:3840x2160):no_upscale()/cdn.vox-cdn.com/uploads/chorus_asset/file/24894575/galbank_location_starfield.jpg)
Picture: Bethesda Recreation Studios/Bethesda Softworks through Polygon
As we talked about, you’ll be paying 500 credit per week to make use of the house, which is taken on the entrance of the property.
When you’re trying to settle the debt utterly, although, you’ll have to make your method again to New Atlantis. Within the Mast District, search out the native GalBank on the way in which again to the spaceport. Right here, you’ll discover your mortgage dealer, Landry Hollifield, who will facilitate the daylight theft that’s paying off your own home.
It may well take a number of nudges to get Landry speaking in the precise course, so don’t fear if the Dream Residence choice isn’t displaying up at first. If it’s inflicting you bother, simply go away the interplay and strike up one other dialog till it triggers. The conversational choice you’re in search of is: “I need to discuss to you about my dwelling on Nesoi.” After a number of extra exchanges, Landry offers you an choice to pay the debt in full.
![A GalBank employee sits in a chair in New Atlantis and stares at probably a spreadsheet or at least whatever passes for a spreadsheet in the 24th century in Starfield.](https://cdn.vox-cdn.com/thumbor/7JNn1_k-eEp-SeU_QO8I3xiPJmY=/0x0:2560x1440/1200x0/filters:focal(0x0:2560x1440):no_upscale()/cdn.vox-cdn.com/uploads/chorus_asset/file/24887875/starfield_get_credits.jpg)
Picture: Bethesda Recreation Studios/Bethesda Softworks through Polygon
When you don’t need to take care of the debt anymore, Landry additionally lets it is possible for you to to foreclose on the home, nullifying the contract and subsequently the Dream Residence Trait. Watch out although, as for those who don’t take away all of the objects inside, they’ll default to the financial institution.
Methods to enhance your Dream Residence
The dream house is naked bones to start with, boasting empty bedrooms, loos and a cooking station. Even so, you’ll be able to craft loads of issues to fill the house, like varied software benches, furnishings, weapon and garments shows and decorations. You’ll be able to entry this crafting menu through a small panel on the wall straight in entrance of the doorway, or by activating your scanner and choosing the enhance choice. Keep in mind that you simply’ll want assets to craft particular decor, so that you may not be residing giant instantly. Within the meantime, although, it’s a terrific place to dump all of your junk!
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