If you are ready to start your space real estate portfolio Star field, you can get a villa from the beginning. The Dream home property, which you can choose during character creation, provides access to a posh mansion on a friendly planet. However, there are a few caveats to keep in mind before plunging into homeownership.
To make sure you don’t get surprised by fine print, we’ve covered the entire process below, including: how the Dream House property works, how to find your dream homeand how you can pay it off, plus an overview of whether the Dream Home property is worth it.
How the dream home property works
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After spending the usual few hours designing your avatar, you’ll need to choose some traits that will further enhance your character. The Dream home property saddles you with a hefty debt from the start in exchange for immediate access to one of the best properties in the game.
The debt we are talking about is a mortgage the size of a mortgage 125,000 creditswhat you are guilty of Star field‘s intergalactic GalBank. In order to own the house and use it freely, you must pay off this debt. Think of GalBank as a celestial Tom Nook who wants all the money upfront. However, especially in the early game, it is quite a task to earn 125,000 credits.
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Alternatively you can pay 500 credits on a weekly basis to enter before the debt is paid off, although these installments do not deduct anything from the total amount owed. Fortunately, unlike a real mortgage, GalBank won’t evict you if you don’t pay. You simply cannot enter the house without paying a fee.
If you can handle paying 500 credits a week, there really is no pressure to pay off the debt right away or not at all. As you progress through the game, you collect more expensive loot to sell, easily covering the entry fee and eventually the mortgage itself. However, if you need a little extra help bringing home the bacon, we’ve got a guide on how to earn credits fast that can help you boost your finances in the early game.
Is the dream home property worth it?
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As is the case with most perks in most RPGs, the true value of the trait comes down to how you plan to play. You must let your intentions guide you, whether you’re focused on comfortable living in space or exploratory pirate plunder. For someone like me who likes to spend my time wandering through space – crafting, cooking and indulging Star field‘s astro lifestyle – the Dream House property was a smart choice, even with the mountains of associated debt.
However, if you are more into adventure and don’t want to depend on a financial institution, you may want to avoid taking over this property. You do not do that need the Dream House property to get a house, and will soon get several options. Plus, even with the Dreamhouse, if you’re an avid adventurer, you’ll likely be building an outpost as you move further into space, and you may not see the benefit.
Where can you find the Dream Home house?
Once you’re in the main game with the Dream House property, you’ll need to jump through a few hoops to access your new property. You especially need the “One small step” first the main story quest, which gives you the freedom to explore the galaxy and find your new digs.
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Your new home is located at Nesoi in the Olympus system, so jump in your ship, check out the star map and do a gravity jump to that part of the Milky Way. Once you find Nesoi within the system, you can rotate around the planet until you find the landing point named “(Player Name) home.Land there and from your ship climb a small hill and you will find the Dream Home house.
How to pay off your dream home
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As we said, you pay 500 credits per week for the use of the space, which is occupied at the entrance of the premises.
However, if you want to pay off the debt in full, you’ll have to go back to New Atlantis. In the Mast districtfind the local GalBank on the way back to the spaceport. Here you will find your mortgage advisor, Landry Hollifieldwhich will facilitate the daylight robbery that will pay off your home.
It may take a few nudges to get Landry to talk in the right direction, so don’t worry if the Dream House option doesn’t appear at first. If it’s causing you problems, just leave the interaction and start another conversation until it triggers. The conversation option you are looking for is: “I want to talk to you about my home on Nesoi.” After a few more exchanges, Landry gives you the option to pay the debt in full.
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If you no longer want to deal with the debt, Landry will also let you know that you can seize the house, which will nullify the contract and subsequently the Dream House feature. Be careful though, because if you don’t remove all the items in them, they will go to the bank.
How to furnish your dream home
The dream house is bare to begin with, with empty bedrooms, bathrooms and a cooking station. Still, you can make anything to fill the space, such as various tool benches, furniture, weapon and clothing displays, and decorations. You can access this crafting menu through a small panel on the wall directly in front of the entrance, or by activating your scanner and selecting the decorating option. Keep in mind that you need resources to create specific decor, so you may not live big right away. In the meantime, though, it’s a great place to dump all your junk!