Homa’s AI homebuying platform has raised a $5 million seed round and offers buyers a single place to search, tour, negotiate, close and obtain a mortgage, with a promise of receiving up to 2% of the purchase price back at closing.
The company has been live in Florida since 2025, expanded to Texas in June and soft-launched in California on Sept. 1.
Homa’s platform and buyer credits
On transactions where the seller offers a buyer-broker commission of up to 3%, Homa keeps 1% and credits the remainder — typically around 2% — back to the buyer. The company said credits have averaged more than $10,000 and can exceed $40,000 on higher-priced homes. Buyers can apply the credit to a rate buydown, closing costs or a price reduction.
Operations and mortgage feature
Homa operates as a licensed brokerage. Local specialists handle tours on the buyer’s schedule for a flat fee, while in-house brokers — one per state — write and negotiate offers. Each in-house broker, the company said, has more than a decade of experience and hundreds of closed transactions.
A new mortgage feature lets buyers shop for a loan inside Homa instead of being referred to an outside lender. Homa said the buyer credit can be applied to a rate buydown that cuts the mortgage rate by as much as 0.75 percentage points.
Leadership and company rationale
Homa is led by co-founder and CEO Arman Javaherian, a former senior director at Zillow. The company was also co-founded by Federico Campeotto, a computer scientist with a Ph.D. in artificial intelligence.
“You tour on someone else’s schedule, you take advice from someone paid more when you spend more, and you hand over tens of thousands of dollars at the closing table for work you largely did yourself,” Javaherian said in a statement. “We built Homa so buyers get better information, better representation, and serious money back that can dramatically reduce the lifetime cost of a mortgage and boost their purchasing power.”
Javaherian said the offering is aimed at consumers who already do their own research. “California buyers do their own research, and they are not looking for someone to unlock a door and mark it up by 3%,” he said. “What they actually need is real MLS access, a licensed broker who negotiates for a living, financing that is part of the offer strategy rather than an afterthought, and a credit large enough to increase their purchasing power.”
