Turn back the clock on mortgage rates.

Buy your home with Homa Realty and get up to 2% back. Use it to buy down your rate with Homa Mortgage by up to 0.75%.

Available in California, Florida and Texas.

Other states,

For other states,

join the waitlist.

5.0

14,000+

Registered home buyers

savings over 30 years

$116,000

~$320 less every month

$1M home & $20k Homa Credit

lower rate up to

0.75%

See Our Press Coverage

How Homa saves you more

Two steps to a lower rate

STEP 1

Buy your home with Homa Realty

Up to 2% back at closing

Free, on-demand tours

AI offer pricing + comps

Licensed brokers negotiate

Explore Homa Realty

Homa Credit

STEP 2

Lower your rate with Homa Mortgage

Wholesale rates

AI-powered pricing

Pre-approval in ~3 min

Credit buys down the rate

The homa credit

Lower your rate with Homa Mortgage.

1

Buy with Homa Realty

Get up to 2% of the price back as a Homa Credit at closing.

2

Buy down your rate

Put your Homa Credit toward a lower rate with Homa Mortgage.

3

What’s left covers closing costs

Any remaining credit goes toward your closing costs.

TOTAL SAVINGS WITH HOMA

$000,000$000,000

Your Homa credit:$15,000

HOME PRICE

$10,000,000$750,000

$150k$10M

WITHOUT HOMA CREDIT

$0,000/mo

Rate

0.00%

APR

0.00%

WITH HOMA CREDIT

$0,000/mo

Rate

0.00%

APR

0.00%

Estimates based on .

TOTAL SAVINGS WITH HOMA

$000,000$000,000

Your Homa credit:$15,000

HOME PRICE

$10,000,000$750,000

$150k$10M

WITHOUT HOMA CREDIT

$0,000/mo

Rate

0.00%

APR

0.00%

WITH HOMA CREDIT

$0,000/mo

Rate

0.00%

APR

0.00%

Estimates based on .

TOTAL SAVINGS WITH HOMA

$000,000$000,000

Your Homa credit:$15,000

HOME PRICE

$10,000,000$750,000

$150k$10M

WITHOUT HOMA CREDIT

$0,000/mo

Rate

0.00%

APR

0.00%

WITH HOMA CREDIT

$0,000/mo

Rate

0.00%

APR

0.00%

Estimates based on .

1

Buy with Homa Realty

Get up to 2% of the price back as a Homa Credit at closing.

2

Buy down your rate

Put your Homa Credit toward a lower rate with Homa Mortgage.

3

What’s left covers closing costs

Any remaining credit goes toward your closing costs.

Buyer Stories

The Homa experience,
in their own words.

Frank

Repeat buyer · Doral, FL

I researched the company and liked what I saw. I like the transparency, the support, the coordinator. It was exactly what we were looking for.

See Frank's Story

First-time buyer · Tampa, FL

As a first-time buyer I was nervous, but it walks you through step-by-step. I saved $10,500 in commission — it’s all going back into the house.

See DJ's Story

John

First-time buyer · Temple Terrace, FL

It was exactly what I was looking for. Homa walked me through everything — and I walked away with money to make the house my own.

See John's Story

Frank
Repeat buyer · Doral, FL
I researched the company and liked what I saw. I like the transparency, the support, the coordinator. It was exactly what we were looking for.
See Frank's Story
DJ
First-time buyer · Tampa, FL
As a first-time buyer I was nervous, but it walks you through step-by-step. I saved $10,500 in commission — it’s all going back into the house.
See DJ's Story
John
First-time buyer · Temple Terrace, FL
It was exactly what I was looking for. Homa walked me through everything — and I walked away with money to make the house my own.
See John's Story

Frank
Repeat buyer · Doral, FL
I researched the company and liked what I saw. I like the transparency, the support, the coordinator. It was exactly what we were looking for.
See Frank's Story
DJ
First-time buyer · Tampa, FL
As a first-time buyer I was nervous, but it walks you through step-by-step. I saved $10,500 in commission — it’s all going back into the house.
See DJ's Story
John
First-time buyer · Temple Terrace, FL
It was exactly what I was looking for. Homa walked me through everything — and I walked away with money to make the house my own.
See John's Story

more reviews

5.0

Andrea Caruso
5.0
This was a perfect solution for my husband and I as buyers moving to Florida. We are a couple who likes the freedom of choosing houses we see online and going to look when our schedules allow. If you’re a buyer looking for homes in the states where Homa is active, it’s definitely the best realtor I would ever recommend. Lastly, the 2% closing credit was a big help in leaving us with extra cash to get our 2026 new build finished.
Bill Ruttencutter
5.0
Andrea was very helpful and professional during our process of looking for our new home. There was absolutely no pressure on us to hurry up and make a decision. Everything was explained to us with care and thought and our experience with Andrea was nothing short of outstanding.
Maryam Astero
5.0
We had an amazing experience working with Frank! He was super attentive, always responded to our messages immediately, and guided us through every step of buying our new home. Frank is a fantastic negotiator and fought hard to get us the best possible deal. He made what could have been a stressful process feel completely smooth and seamless.
Gary Peterson
5.0
Frank and the team at Homa was so professional and handled my purchase from beginning to end. The process was seamless and the level of knowledge and expertise was second to none! The end result was a substantial rebate back to me at closing that covered nearly all of my costs.
Monica M Dabaghi
5.0
I just closed on my new home in Texas with Homa and it was extremely pleasant. They helped me see 11 properties in 1 day, I had to move quickly and Homa got me an agent assigned to do my offer in less than a few hours when I was ready. They were extremely responsive, even got me a better deal than I thought I was going to get.
Funny Moniker
5.0
A little bit of learning curve with the process but the people and Homa could not have been more helpful. We loved the concept, method and experience. When we finally found our 'forever' home we were a assigned a realtor, Andrea who was outstanding.

How it works

A higher standard,
and a lower rate.

STEP 1

Find Your Home

Search with AI that surfaces your best matches, then tour homes for free on your schedule.

STEP 2

Get Pre-Approved

Get your pre-approval letter in as little as 3 minutes, with a soft credit check.

STEP 3

Make Your Offer

A licensed Homa broker prices your offer with comps and negotiates it for you.

STEP 4

Lower Your Rate

Get up to 2% back at closing to buy down your rate, cover closing costs or lower the price.

$940,000
2205 Sarabanda St, Round Rock, TX 78681
Homa Credit:
$18,800
$1,700,000
1426 Milan Ave, Coral Gables, FL 33134
Homa Credit:
$40,505
$817,000
1004 Duttons Meadow Lane, Mckinney, TX 75071
Homa Credit:
$16,340
$1,220,000
936 Windward Way, Weston, FL 33327
Homa Credit:
$36,600
$725,000
1123 Hounds Run, Safety Harbor, FL 34695
Homa Credit:
$19,755
$2,400,000
1610 Lost Cove Ln, Panama City Beach, Fl 32413
Homa Credit:
$58,005
$1,250,000
9334 Crestview Cir, Palm Beach Gardens, FL 33412
Homa Credit:
$18,750
$946,500
1929 Amalfi Court, St. Augustine, FL 32092
Homa Credit:
$16,491
$548,500
7237 Brinkley St, Navarre, Fl 32566
Homa Credit:
$11,717
$940,000
18295 Lake Bend Dr, Jupiter, FL 33458
Homa Credit:
$21,505
$899,000
4111 W Granada Street, Tampa, FL 33629
Homa Credit:
$26,970
$610,000
6024 NW Favian Ave, Port St. Lucie, Fl 34986
Homa Credit:
$11,350

recently closed with homa

The homes our buyers wanted. Negotiated and closed by our experts.

$940,000
2205 Sarabanda St, Round Rock, TX 78681
Homa Credit:
$18,800
$1,700,000
1426 Milan Ave, Coral Gables, FL 33134
Homa Credit:
$40,505
$817,000
1004 Duttons Meadow Lane, Mckinney, TX 75071
Homa Credit:
$16,340
$1,220,000
936 Windward Way, Weston, FL 33327
Homa Credit:
$36,600
$725,000
1123 Hounds Run, Safety Harbor, FL 34695
Homa Credit:
$19,755
$2,400,000
1610 Lost Cove Ln, Panama City Beach, Fl 32413
Homa Credit:
$58,005
$1,250,000
9334 Crestview Cir, Palm Beach Gardens, FL 33412
Homa Credit:
$18,750
$946,500
1929 Amalfi Court, St. Augustine, FL 32092
Homa Credit:
$16,491
$548,500
7237 Brinkley St, Navarre, Fl 32566
Homa Credit:
$11,717
$940,000
18295 Lake Bend Dr, Jupiter, FL 33458
Homa Credit:
$21,505
$899,000
4111 W Granada Street, Tampa, FL 33629
Homa Credit:
$26,970
$610,000
6024 NW Favian Ave, Port St. Lucie, Fl 34986
Homa Credit:
$11,350

recently closed with homa

Every home was found, negotiated, and closed with our experts.

$940,000
2205 Sarabanda St, Round Rock, TX 78681
Homa Credit:
$18,800
$1,700,000
1426 Milan Ave, Coral Gables, FL 33134
Homa Credit:
$40,505
$817,000
1004 Duttons Meadow Lane, Mckinney, TX 75071
Homa Credit:
$16,340
$1,220,000
936 Windward Way, Weston, FL 33327
Homa Credit:
$36,600
$725,000
1123 Hounds Run, Safety Harbor, FL 34695
Homa Credit:
$19,755
$2,400,000
1610 Lost Cove Ln, Panama City Beach, Fl 32413
Homa Credit:
$58,005
$1,250,000
9334 Crestview Cir, Palm Beach Gardens, FL 33412
Homa Credit:
$18,750
$946,500
1929 Amalfi Court, St. Augustine, FL 32092
Homa Credit:
$16,491
$548,500
7237 Brinkley St, Navarre, Fl 32566
Homa Credit:
$11,717
$940,000
18295 Lake Bend Dr, Jupiter, FL 33458
Homa Credit:
$21,505
$899,000
4111 W Granada Street, Tampa, FL 33629
Homa Credit:
$26,970
$610,000
6024 NW Favian Ave, Port St. Lucie, Fl 34986
Homa Credit:
$11,350

recently closed with homa

Every home was found, negotiated, and closed with our experts.

Frequently asked questions

Questions buyers ask us.

What is Homa?

Homa is an AI-powered real estate brokerage in California, Florida and Texas. You search, tour and analyze homes in the Homa app, a licensed Homa broker prepares and negotiates your offer, and you get up to 2% of the price back at closing. Homa Mortgage is Homa’s mortgage brokerage, so your home purchase and your loan can be handled by one company.

How does the Homa Credit work?

When the seller pays a commission to the buyer’s agent, Homa keeps a fee of 1% of the purchase price ($4,995 minimum), and the rest comes back to you as a credit at closing, up to 2% of the price. You can use it to buy down your rate, cover closing costs or lower the price, within your lender’s limits.

How does a rate buydown work?

You pay the lender upfront, here with your Homa Credit, in exchange for a lower interest rate for the life of the loan. A lower rate means a lower monthly payment. How much your rate drops depends on the loan, the lender and the size of your credit.

Why use Homa Mortgage if I’m buying with Homa?

Deals often slip between the offer and the loan, when the agent and the lender are at separate companies passing updates back and forth. With Homa, your broker and loan officer work from the same file, with the same deadlines and numbers. When something changes, like a repair credit or a new closing date, both sides update together, so there’s less risk of mistakes and delays that could put your home at risk. Your credit is also applied to your buydown for you.

I already have a lender. Should I switch?

Get a quote from Homa Mortgage and compare it on the same terms, including points, fees and how your credit is applied to a buydown. Wholesale pricing plus a credit-funded buydown, with one team on the whole deal, is hard to beat. Switching is easiest before you’re under contract.

When should I talk to Homa Mortgage?

Before you start making offers. A pre-approval takes as little as 3 minutes and shows sellers you’re ready, and your loan officer can map out how your credit could lower your rate before you choose a home. Starting early also gives one team the full picture from your first tour to closing.

Will getting pre-approved affect my credit score?

No. Pre-approval uses a soft credit check, which doesn’t affect your score. A hard credit check happens later, once you apply for your loan.