Homa raised $5 million in seed funding to expand its AI-powered homebuying platform and launch integrated mortgage lending capabilities. The round was led by Quiet Capital, with participation from Restive Ventures and Cambrian Ventures.
Homa plans to use the funding to expand its technology, scale operations, support its launch across California, and introduce mortgage shopping directly within its platform.
The company is now available in California, Florida, and Texas, giving its licensed brokerage and AI platform access to markets representing roughly 95 million people.
Homa was co-founded by CEO Arman Javaherian, a former senior director at Zillow, and Federico Campeotto, a computer scientist with a Ph.D. specializing in artificial intelligence.
The platform is designed to guide homebuyers through the entire purchasing process, including property search, analysis, touring, negotiations, financing, and closing.
Homa’s AI is trained using state-specific laws, property information, and material required for real estate licensing.
The technology provides buyers with information related to property pricing, disclosures, comparable sales, potential risks, and negotiating leverage before they submit an offer.
Homa also uses local showing specialists who are paid a flat fee to conduct property tours.
Offers are prepared by licensed in-house brokers, with Homa saying its brokers have more than a decade of experience and hundreds of completed transactions.
The company’s economic model is designed to return a portion of the buyer-side commission to homebuyers.
When a seller offers a buyer-broker commission of up to 3% of the purchase price, Homa generally retains 1% and credits the remaining amount, typically approximately 2%, back to the buyer at closing.
Homa said buyer credits have averaged more than $10,000 and can exceed $40,000 on higher-priced homes.
Buyers can apply the credit toward closing costs, a lower purchase price, or a mortgage rate buydown.
With the launch of mortgage capabilities inside the platform, Homa said buyers can now shop for financing without leaving the homebuying experience.
Combining brokerage and mortgage information in a single platform can also allow buyers to apply Homa’s credit directly toward financing decisions.
The company said a rate buydown using its credit can potentially reduce a mortgage rate by as much as 0.75%, depending on the transaction.
Homa is also positioning the integrated model as a way to improve coordination among brokers, lenders, appraisers, and buyers during the closing process.
The platform can track underwriting requirements, appraisal timelines, and closing deadlines through a single team rather than requiring buyers to coordinate separately with brokerage and lending providers.
Homa has operated in Florida since 2025, expanded into Texas in June 2026, and soft-launched in California on September 1.
The company also plans to launch a mobile application later in 2026 that will integrate its homebuying and mortgage capabilities for users in California, Texas, and Florida.
Homa said it has already returned millions of dollars to buyers through transactions completed in Texas and Florida.
KEY QUOTES:
“Buying a home is the biggest financial decision most people will ever make, and the two parties who decide whether it goes smoothly, the brokerage and the lender, are almost always separate businesses with no incentive to coordinate well. The buyer ends up leading communications between these parties, which is why so many deals fall apart or have a delayed closing. Homa is the only consumer company we have seen that runs both sides and hands the customer real money back. The expansion to California coupled with the new mortgage feature is an inflection point on Homa’s path to changing the economics of homebuying in America.”
Michael Bloch, Partner at Quiet Capital
“The way most people buy a home has not changed in forty years despite the tremendous growth of technology, and I watched that up close at Zillow. 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. 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.”
“California buyers do their own research, and they are not looking for someone to unlock a door and mark it up by 3%. 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.”
Arman Javaherian, Co-Founder and CEO of Homa
