Homa's $5M Seed Puts a Closing Credit at the Center of Homebuying

Homa, an Austin-based proptech company, has raised a $5M Seed round led by Quiet Capital, with Restive Ventures and Cambrian Ventures participating. The financing, announced on October 15, 2026, comes without a public valuation, investor allocations or a verified lifetime funding total.

The company combines AI-assisted property research with licensed buyer representation and transaction coordination. The premise is that home search — the part of the process Arman Javaherian worked on as a Zillow senior director — is where consumer habit forms, but the harder work begins after a buyer finds a listing: arranging the tour, negotiating the offer and carrying the purchase through closing. Javaherian is CEO and co-founder; Federico Campeotto, a PhD-level computer scientist, is CTO.

Homa says the capital supports California expansion, mortgage capabilities inside its platform and a mobile app planned for later in 2026. The California move puts its brokerage alongside Florida and Texas, adding local requirements in each new market while the company tries to bring more of the purchase process into a single customer experience.

That footprint should be read carefully. Homa's licensing disclosures list brokerage coverage in California, Florida and Texas, while Homa Mortgage currently discloses mortgage-broker licensing in Florida and Texas only. Both are identified as subsidiaries of Homa AI, and buyers are not required to use Homa Mortgage.

The model ties the service fee to a buyer's financing options. Homa's mortgage and credit explanation says the brokerage charges 1% of the purchase price, subject to a $4.995K minimum. When eligible seller-paid buyer-side commission exceeds that fee, the remaining value can become a credit of up to 2% of the purchase price, within applicable transaction and lender limits. Eligible credit can help pay closing costs or support a mortgage rate buydown, among other permitted uses.

That arithmetic is where the marketing meets the closing documents. The Consumer Financial Protection Bureau's explanation of discount points describes the underlying trade-off: paying more at closing can reduce the interest rate, with the reduction depending on the lender, loan and mortgage market, and the length of time a borrower keeps the loan affecting the value of the exchange. An advertised credit of up to 2% is not a guaranteed amount.

Quiet partner Michael Bloch, in Homa's announcement, described the appeal of putting brokerage and lending into a more coordinated relationship. Quiet already lists Homa in its portfolio; Restive Ventures focuses on financial technology.

The company sits in a housing-technology market where financing and service continuity keep meeting. Zippy's manufactured housing finance follows households through a specialized lending process, and Stand's home insurance approach connects property decisions with continuing coverage. Homa's version is a household-level service in which AI supports research while licensed professionals handle representation and offers, with tours, negotiation and closing coordination split among specialists.