Image Credit: Homa.
Homa announced a $5M seed round on October 13, 2026, led by Quiet Capital. Restive Ventures and Cambrian Ventures also participated. The capital funds statewide expansion in California and the launch of mortgage lending inside the platform. A mobile app is planned later this year.
Homa is a licensed brokerage whose AI is trained on state-specific law, property data, and real estate coursework. It provides pricing insight, disclosures, comps, risk analysis, and a bargaining-power score before an offer. Local specialists handle tours for a flat fee, and in-house brokers write and negotiate offers.
The economics are the core of the pitch. When a seller offers a buyer-broker commission of up to 3%, Homa keeps 1% and credits the rest back to the buyer, typically about 2%. The company says credits have averaged more than $10,000 and exceeded $40,000 on higher-priced homes. Buyers can use the credit toward a rate buydown, closing costs, or the purchase price.
The new mortgage feature lets buyers shop for a loan inside Homa. Because the credit and loan sit in the same file, the credit can fund a rate buydown of up to 0.75%. The company says integrating brokerage and lending also reduces delays caused by poor coordination.
Homa has been live in Florida since 2025, launched in Texas in June 2026, and soft-launched in California on September 1. CEO Arman Javaherian, a former Zillow senior director, co-founded the company with Federico Campeotto. Homa says September was its strongest month. Quiet Capital’s Michael Bloch described the combined brokerage and lending model as a key inflection point. Figures are company-reported.
Source:
Business Wire: Homa Raises $5 Million to Redefine Homebuying with AI
