Austin, Texas-based proptech startup Homa has raised $5 million in Seed funding to expand its AI-powered homebuying platform and integrated mortgage services. The round was led by Quiet Capital, with participation from Restive Ventures and Cambrian Ventures. Operating across California, Texas and Florida, Homa combines AI-driven property analysis with licensed real estate services, helping buyers search for homes, evaluate listings, negotiate offers and complete purchases while receiving a portion of the buyer-agent commission back at closing.
Combining AI With Licensed Real Estate Services
Co-founded by Arman Javaherian, CEO and former Senior Director at Zillow, and Federico Campeotto, CTO, Homa operates as a licensed real estate brokerage that integrates AI into the homebuying process. Its platform uses technology trained on state-specific real estate laws, property data and industry coursework to provide pricing comparisons, property disclosures, risk assessments and estimates of buyers’ negotiating power. While AI supports research and analysis, licensed real estate professionals handle property tours, offers and negotiations, combining automated insights with human representation throughout the transaction.
Homa’s business model also differs from traditional buyer-agent commission structures. When a seller offers a buyer-broker commission of up to 3%, Homa retains 1% and credits the remaining amount, typically around 2% of the purchase price, back to the buyer at closing. According to the company, these credits have averaged more than $10,000 per transaction and exceeded $40,000 on higher-priced properties. Buyers can apply the credit toward closing costs, the purchase price or a mortgage rate reduction, depending on the transaction.
Funding to Support California Expansion and Mortgage Services
Alongside the funding announcement, Homa introduced mortgage lending capabilities within its platform, allowing buyers to explore financing options as part of the same homebuying process. By combining brokerage and mortgage services, the company aims to simplify coordination between property negotiations, financing and closing. According to Homa, eligible buyers who use its integrated mortgage offering alongside commission credits may be able to reduce their mortgage interest rates by as much as 0.75 percentage points.
The company launched in Florida in 2025, expanded to Texas in June 2026 and entered California in September. Homa reports having returned millions of dollars to homebuyers in Florida and Texas, and plans to use the new funding to expand its operations across California and develop a mobile application scheduled for later in 2026.
“California buyers do their own research, and they are not looking for someone to unlock a door and mark it up by 3%,” said Javaherian. “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.”
