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Did you pay for the dream home at GalBank?
Also, the dream home location is on the planet Nesoi in the Olympus System using the star map, to the right of Alpha Centauri.
This is the guy and the price for the house.
https://guided.news/wp-content/uploads/2023/09/starfield-pay-mortgage-dream-home-traumhaus.jpg
Did you go to the Lodge? because the Dream house usually unlock after you go to the Lodge, hand over the artifact, tell them you are not barette....and then you are free to roam once you pick sarah.
Dream Home Overhaul by DownfallNemesis- https://www.nexusmods.com/starfield/mods/10294
Same mod as on Bethesda site.
There is currently a bug in Vanilla where you have to collect debts for the GalBank before the dialog for the house appears. This has absolutely nothing to do with artifacts and companions :)