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Homa, an AI-powered homebuying platform that is also a licensed real-estate brokerage, announced a $5 million seed round on October 15, 2026. Quiet Capital led the financing, with Restive Ventures and Cambrian Ventures participating. Homa says it will use the money to expand across California, add mortgage lending inside its platform and release a mobile app later in 2026.
What Homa is building
Homa combines the main stages of a residential purchase in one workflow: searching for homes, analyzing properties, reviewing disclosures, arranging tours, planning an offer, negotiating, completing paperwork, closing and accessing a mortgage. That makes it more than an automated listing-search tool. Homa operates as a licensed brokerage, with artificial intelligence supporting research and analysis while licensed Homa professionals handle negotiation and other work that requires a human before closing.
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According to Homa’s product description, its AI is trained on state-specific real-estate law, property data and real-estate coursework. The company says the system can provide pricing insight, comparable-sale analysis, risk analysis and a bargaining-power score before a buyer submits an offer. Those capabilities are company claims, not an independent performance test, so buyers should still verify material facts with the licensed professionals and documents in their transaction.
How the proposed buyer rebate works
Homa says eligible buyers can receive up to 2% of the purchase price back at closing. The company presents the credit as a way to lower the lifetime cost of a mortgage and increase a buyer’s purchasing power. The exact amount is not automatic: eligibility, state rules, the transaction structure and the buyer’s current Homa agreement all matter.
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Dealroom has reported that Homa charges 1% of the purchase price subject to a minimum fee and returns most of the buyer-agent commission as a credit. That description should be treated as reported fee-model context rather than a current rate sheet. Anyone considering Homa should request the written fee, rebate and closing terms for the specific property and state before relying on a projected dollar amount.
Where Homa operates
Homa launched in Florida in 2025, expanded to Texas in June 2026 and soft-launched in California on September 1, 2026. At the seed-round announcement, the company said it was available statewide in California, Florida and Texas, a footprint it says reaches roughly 95 million Americans.
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Availability does not by itself establish that every service or rebate is identical in all three states. Brokerage licensing, disclosure requirements, commission practices and mortgage rules are location-specific, so buyers should confirm that Homa supports their county, property type and intended financing.
What the funding will pay for
California expansion
The company identified statewide California expansion as a primary use of the new capital. California is Homa’s newest announced market after the September soft launch.
Mortgage lending in the platform
Homa plans to add mortgage lending within the same workflow. The announcement describes this as a planned capability, not proof that an integrated mortgage product is already available to every customer. Buyers should ask whether a loan is offered directly, through a lending partner or only in selected states once the feature is presented to them.
A mobile app
Homa also plans a mobile application later in 2026. The funding announcement did not establish a public release date, supported operating systems or feature list, so those details remain to be confirmed when the app launches.
Homa versus a conventional brokerage model
| Comparison point | Homa’s announced model | Conventional brokerage model |
|---|---|---|
| Workflow | One platform covering search through closing, with planned mortgage access | Often assembled from a brokerage, listing tools, lenders and separate transaction systems |
| Human involvement | AI assists analysis; licensed Homa experts handle negotiation and required human work | Licensed agents typically manage advice, negotiation and transaction coordination |
| Buyer cost and credit | Company says up to 2% of the purchase price may be returned at closing; reported fee details require transaction-specific confirmation | Fees, commission agreements and any buyer credit vary by brokerage and contract |
| Mortgage integration | In-platform mortgage lending is planned | Mortgage is commonly arranged through a separate lender, though some brokerages have affiliated options |
| Geographic availability | Company reports statewide availability in California, Florida and Texas as of October 15, 2026 | Varies by brokerage licenses and local coverage |
| Term transparency | Rebate and eligibility must be confirmed for the buyer’s state and transaction | Terms are set by the buyer-broker agreement and applicable local rules |
Founders and investors
Arman Javaherian is Homa’s co-founder and chief executive officer. Before Homa, he was a senior director at Zillow. Federico Campeotto co-founded the company and is described as a computer scientist with a Ph.D. in artificial intelligence. Dealroom dates Homa’s founding to 2024.
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1Clear out junk files and repair common Windows errors2Scan for outdated or missing drivers - takes under a minute3Repair Windows errors before they cause bigger problemsQuiet Capital led the seed round. Restive Ventures and Cambrian Ventures also invested. Quiet Capital partner Michael Bloch described Homa in coverage as a consumer company that operates both sides of the transaction and gives customers real money back.
Javaherian framed the product around the traditional buyer experience, saying: “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.” The statement expresses Homa’s rationale for combining automation, brokerage services and a buyer credit; it is not an independent assessment of every real-estate agent or transaction.
What prospective buyers should verify
- Whether Homa is licensed and actively serving the property’s state and county.
- The brokerage agreement, minimum fee and exact calculation of any closing credit.
- Whether the advertised credit is allowed for the transaction and compatible with the buyer’s loan and closing disclosures.
- Which tasks are performed by AI and which are handled by a licensed human professional.
- Whether mortgage lending is available now, who provides it and how rates, fees and loan terms compare with alternatives.
- What happens if the buyer cancels, changes agents, buys a property outside Homa’s service area or does not close.
Why the round matters
The financing gives Homa capital to push a brokerage-centered, software-assisted buying model beyond its initial markets. Its combination of an AI research layer, licensed human negotiation and a potential closing credit could appeal to buyers who want a more integrated process and clearer cost incentives. The practical value will depend on execution: reliable property analysis, responsive licensed professionals, transparent rebate terms, mortgage availability and compliance with each state’s rules.
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