Terms Of Use

Last Updated: September 25, 2026

Welcome to Homa! These Terms of Use (the “Terms”) govern your access to and use of the Homa website, mobile applications, and related services (collectively, the “Platform”) operated by Homa AI, Inc. (“Homa,” “we,” “us,” or “our”). Real estate brokerage services are provided by our wholly owned, licensed subsidiary, Homa Realty, Inc. (“Homa Realty”). Mortgage brokerage services are provided by our wholly owned, licensed subsidiary, Homa Mortgage, Inc. (“Homa Mortgage”). Homa AI, Inc., Homa Realty, and Homa Mortgage are referred to collectively as the “Homa Entities.” Services are offered only in states where the applicable Homa Entity or its partners are licensed. By using the Platform, you agree to these Terms.

1. Overview

Homa is a digital real estate platform designed to help home buyers navigate the home buying process with transparency and confidence. Homa primarily serves home buyers and, where offered, may also represent home sellers. We offer the following services:

Homa (Free) – A self-guided experience providing tools, market data, and AI-driven insights to help you analyze homes, calculate offer prices, and manage your home search independently. Under this tier, Homa does not act as your real estate broker, agent, or fiduciary.
Homa’s broker services for buyers – A full-service experience where Homa Realty, or one of its partner brokerages, represents you as your buyer’s broker (or, in Florida, acts as your transaction broker, as described in Section 3) for specific properties, helping you communicate with the seller’s agent, submit offers, and close on your purchase. Homa Realty requests buyer-broker compensation from the seller or listing broker, keeps the fee set out in your Buyer Broker Agreement, and credits the remainder to you at closing, subject to lender restrictions and applicable law.
Homa’s broker services for sellers – Where offered, Homa Realty may represent you in selling your home under a separate listing agreement, as described in Section 4.3.
Homa Mortgage – Optional mortgage brokerage services offered by Homa Mortgage and its partner lenders, as described in Section 7.5. You are never required to use Homa Mortgage to use the Platform or Homa’s broker services.

2. Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts. Homa’s broker services are available only in states where Homa Realty or its partners are properly licensed, currently Florida, Texas, and California. Mortgage services are available only in states where Homa Mortgage or its partner lenders are licensed.

3. State Brokerage Relationship Disclosures

Florida (properties located in Florida)

Florida law requires that real estate licensees provide this notice to buyers and sellers of real estate:

FLORIDA LAW REQUIRES THAT REAL ESTATE LICENSEES ADVISE PROSPECTIVE CUSTOMERS OF THE VARIOUS TYPES OF BROKERAGE RELATIONSHIPS THAT ARE AVAILABLE.

When you use Homa’s broker services in Florida, Homa Realty, Inc. and its representatives may act as transaction brokers under Chapter 475 of the Florida Statutes. A transaction broker provides a limited form of representation to a buyer, a seller, or both in a real estate transaction but does not represent either party in a fiduciary capacity.

Transaction brokers owe the following duties to both parties:

Dealing honestly and fairly;
Accounting for all funds;
Using skill, care, and diligence in the transaction;
Disclosing all known facts that materially affect the value of the property and are not readily observable;
Presenting all offers and counteroffers in a timely manner; and
Limited confidentiality, unless waived in writing.

Texas (properties located in Texas)

Homa Realty may represent buyers or sellers. If Homa Realty represents both the buyer and the seller in the same transaction, it will act only as an intermediary, and only with the prior written consent of both parties, as required by the Texas Real Estate License Act. Before you sign a Buyer Broker Agreement or listing agreement, or discuss a specific property with us, you will receive the Texas Real Estate Commission Information About Brokerage Services notice, which explains the types of representation available and a broker’s duties. The Texas Real Estate Commission Information About Brokerage Services and Texas Real Estate Commission Consumer Protection Notice are also linked at the bottom of every page of our website.

California (properties located in California)

Homa Realty may act as the buyer’s agent, the seller’s agent, or, only with the express written consent of both parties, as a dual agent representing both. You will receive the California Disclosure Regarding Real Estate Agency Relationships in connection with your Buyer Broker Agreement or listing agreement and any offer.

All states

When using Homa (Free), no brokerage relationship exists. Homa provides only tools, data, and educational resources for informational purposes.

4. Scope of Services

4.1 Homa (Free)

Homa provides AI-powered tools to help you search, analyze, and evaluate properties. Homa does not represent you in any transaction. All decisions, negotiations, and communications with sellers or agents are your responsibility.

4.2 Homa’s broker services for buyers

When you upgrade to Homa’s broker services and sign a Buyer Broker Agreement, Homa Realty (or, in some cases, a third-party licensed brokerage partner) will act as your broker for the covered property, in the capacity described in Section 3 and your Buyer Broker Agreement.

In certain transactions, Homa may refer you to a partner brokerage that will serve as the transaction broker or buyer’s broker of record. In such cases, Homa’s role is limited to making the introduction, and the partner brokerage—not Homa—will be responsible for performing brokerage duties, drafting agreements, and complying with all applicable state licensing laws.

Homa and its affiliates may receive a referral fee from such partner brokerages, as permitted under applicable law and disclosed to you. You will be informed when a referral is made to a third-party brokerage, and Homa will not be a party to any brokerage agreement you sign directly with that brokerage.

Homa assists in offer drafting, communication with the seller’s agent, inspection coordination, and closing when it is serving as your broker. When Homa refers you to a partner brokerage, Homa’s involvement is limited to support and platform facilitation only.

Homa Realty (or its partner brokerage) will request that the seller or listing broker pay buyer-broker compensation at closing. Homa Realty’s fee is set out in your Buyer Broker Agreement. Any compensation received above that fee will be credited to you at closing as a closing-cost credit, or paid as otherwise permitted, subject to lender approval and restrictions, applicable law, and any required consent of the parties. Your lender may limit the amount or use of any credit. Any credit will be disclosed to your lender and on your settlement statement. Your credit is never conditioned on using Homa Mortgage or any other particular service provider.

4.3 Homa’s broker services for sellers

Where offered, Homa Realty may represent sellers under a separate written listing agreement. That agreement, not these Terms, sets out Homa Realty’s fees, duties, the listing term, and any compensation offered to buyer brokers.

If Homa Realty (or its partner brokerage) is working with both the buyer and the seller of the same property, it will proceed only in a manner permitted by the law of the state where the property is located and after giving any required disclosures and obtaining any required written consents. In Florida, this means acting as a transaction broker. In Texas, it means acting as an intermediary with both parties’ written consent. In California, it means acting as a dual agent with both parties’ express written consent. You are never required to let Homa represent the other party to your transaction.

5. AI and Automated Insights Disclaimer

Homa provides AI-generated insights, property analysis, and estimated offer pricing based on available data. These outputs are for informational purposes only and do not constitute professional advice or guarantees. Real estate market conditions, property disclosures, and pricing are subject to change. You are responsible for verifying all property details independently. All AI-generated offers, contracts, and analyses must be reviewed and approved by you before submission.

6. No Legal, Financial, or Appraisal Advice

Homa is not a law firm, accounting firm, or financial advisor. Information provided on the Platform is not a substitute for professional advice. We recommend consulting licensed attorneys, inspectors, surveyors, and financial professionals before making real estate decisions.

7. Property and Transaction Disclaimers

7.1 Title Evidence

Homa does not provide title evidence or title insurance. You are responsible for obtaining title searches and title insurance from a licensed title company or closing agent.

7.2 Survey and Boundaries

Homa does not conduct or review property surveys. Buyers are responsible for obtaining surveys or other boundary documentation from licensed surveyors and verifying property lines and encroachments.

7.3 Property Condition

Homa does not perform or arrange property inspections under the Homa (Free) tier. When using Homa’s broker services, your assigned broker may help schedule inspections, but all inspections and due diligence are your responsibility.

7.4 Appraisal

Homa does not perform appraisals or guarantee property values. Any price estimates, valuation data, or market insights provided by Homa or its AI tools are for educational and informational purposes only.

7.5 Financing, Homa Mortgage, and Partner Lenders

Who does what. Homa AI, Inc. and Homa Realty are not lenders. Mortgage brokerage services are offered by our affiliate, Homa Mortgage, Inc. (NMLS #2856931), in states where it is licensed. Loans are made by Homa Mortgage’s partner lenders and/or other independent lenders (each, a “Lender”). Homa Mortgage does not fund loans, issue loan commitments, or make credit decisions. All credit decisions, rates, and terms are determined solely by the Lender. Availability of Homa Mortgage, particular Lenders, and particular loan products varies by state and may change. Current license information is available in Section 22 and on our Broker Information page.

Affiliated business arrangement. Homa Realty and Homa Mortgage are both wholly owned by Homa AI, Inc. Because of this relationship, a referral to Homa Mortgage may provide the Homa Entities a financial or other benefit. You are NOT required to use Homa Mortgage or any Lender we identify as a condition of using the Platform, receiving brokerage services, receiving any buyer credit, or buying or selling any property. You are free to shop for and choose any lender. Our Affiliated Business Arrangement Disclosure Statement, which describes this relationship and estimated charges, will also be provided to you separately at or before any referral.

Pre-qualification and pre-approval are not commitments to lend. Any pre-qualification, pre-approval (including any “instant” pre-approval), rate, or payment estimate shown on or through the Platform is not a loan approval, commitment, or offer to lend, and is not a guarantee of any rate or term. Final approval is subject to a complete application; verification of income, assets, employment, and credit; property appraisal and eligibility; underwriting; and the Lender’s approval. Rates and terms may change or may not be available at commitment or closing.

Authorization to obtain credit information. If you request a pre-qualification or pre-approval, you authorize Homa Mortgage and the applicable Lender (which may include our partner lender, Realfinity) to obtain your consumer credit report and related information from one or more consumer reporting agencies for that purpose. Unless you separately authorize a full application, this will be a “soft” inquiry that does not affect your credit score. A “hard” inquiry will be made only with your separate authorization when you submit a loan application. You will be asked to confirm this authorization at the time of your request.

Equal Housing Opportunity. Homa Mortgage and the Homa Entities do business in accordance with the federal Fair Housing Act and the Equal Credit Opportunity Act.

7.6 Title and Closing Coordination

Homa does not serve as your closing agent. Closing activities are handled by licensed title companies, escrow agents, or attorneys, as required by state law.

7.7 Escrow and Funds Handling

Homa does not directly hold or control earnest money deposits, escrow funds, or any client trust accounts. All funds are managed through licensed title companies, escrow agents, or attorneys in accordance with applicable laws.

7.8 Insurance Disclaimer

Homa does not provide or sell insurance of any kind, including but not limited to homeowners, title, or hazard insurance, and makes no representations regarding coverage, eligibility, or claims. You are solely responsible for obtaining appropriate insurance coverage from licensed providers.

7.9 Hold Harmless for Third-Party Service Providers

You agree to hold harmless and release Homa AI, Inc., Homa Realty, Inc., Homa Mortgage, Inc., and their affiliates, officers, and agents from any liability or responsibility arising from the acts, omissions, or performance of any third-party individuals or companies referred by Homa or its representatives. This includes, but is not limited to, contractors, inspectors, decorators, repair professionals, cleaning services, pest control companies, home warranty providers, insurance agents, third-party mortgage lenders, title companies, closing agents, or any other service providers engaged by you.

All such third-party providers are independent entities and are not employees, agents, or subcontractors of Homa. You are encouraged to conduct your own due diligence and verify licensing, credentials, and insurance coverage of any service provider before engaging their services.

8. Fair Housing and Non-Discrimination

The Homa Entities comply fully with the Fair Housing Act, the Equal Credit Opportunity Act, and all applicable state and local anti-discrimination laws. We do not discriminate based on race, color, religion, sex, disability, familial status, national origin, sexual orientation, gender identity, or any other characteristic protected by applicable federal, state, or local law.

9. Accessibility

Homa is committed to providing a website and platform that are accessible to all users, including those with disabilities. If you experience any difficulty accessing content or functionality, please contact us at contact@tryhoma.com so we can assist you.

10. Accuracy of Information

While Homa strives to provide accurate and up-to-date information, property listings, prices, and market data are sourced from third parties and may contain errors or omissions. Homa makes no warranty regarding the accuracy, completeness, or reliability of any content.

11. Acceptable Use Policy

You agree not to:

Use the Platform for unlawful, misleading, or fraudulent purposes;
Interfere with or disrupt the Platform’s functionality or servers;
Copy, scrape, or harvest MLS data or content for resale;
Reverse-engineer or attempt to derive source code from Homa’s systems;
Upload malicious code or attempt to compromise security features;
Use automated systems (bots or crawlers) without written permission.

12. Intellectual Property and Ownership

All content, software, data, and trademarks on the Platform are owned by Homa AI, Inc. or its licensors. You are granted a limited, non-exclusive, non-transferable license to use the Platform solely for your personal home search and transaction purposes. You may not reproduce, distribute, or modify any Homa content without prior written consent.

AI-generated text, pricing insights, and property analyses produced through Homa remain Homa’s intellectual property, though you may use outputs for personal decision-making and documentation related to your home purchase.

13. User-Generated Content and Feedback

By submitting data, notes, feedback, ideas, or uploaded documents to Homa, you retain ownership of your content but grant Homa a non-exclusive, royalty-free, perpetual license to use, reproduce, and adapt it for operating and improving the Platform. You represent that any submitted materials do not violate others’ rights or applicable laws. Homa may use feedback or ideas you provide without any obligation to compensate you.

14. Privacy, Data, and Communications Consent

Your privacy is important to us. Please review our Privacy Policy for information on how we collect, use, and share your data. By using Homa, you consent to data processing as described in our Privacy Policy. California residents: see the “Your California Privacy Rights” section of our Privacy Policy. Personal information collected in connection with a mortgage application is also governed by Homa Mortgage’s privacy notice at [MORTGAGE PRIVACY NOTICE URL].

Calls and Text Messages. By checking the consent box and providing your mobile number, you agree that Homa AI, Inc., Homa Realty, and Homa Mortgage (and service providers acting on their behalf) may send you calls and text messages, including marketing messages, which may be sent using automated technology, at the number you provide. Consent is not a condition of any purchase or of using our services. Message frequency varies. Message and data rates may apply. Reply STOP to opt out of texts or HELP for help. You may also opt out by any reasonable means, including by emailing contact@tryhoma.com. After you opt out, we may send one message confirming your opt-out. Transactional and account messages related to an active transaction may continue as permitted by law.

15. Third-Party Links and Services

The Platform may include links or integrations with third-party services (e.g., Showami, Clerk, mortgage lenders, or inspection providers). Homa is not responsible for the content, products, or performance of third parties. Your interactions with third-party services are governed by their respective terms.

16. Platform Availability and Modifications

Homa reserves the right to modify, suspend, or discontinue any feature or portion of the Platform at any time without notice. We may also update these Terms periodically. We will notify you of material updates through the Platform or by email at least 30 days before they take effect.

17. Warranty Disclaimer

The Platform and all content are provided “as is” and “as available,” without warranty of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. Homa does not warrant that the Platform will be uninterrupted, error-free, or secure.

18. Limitation of Liability

To the maximum extent permitted by law, Homa AI, Inc., Homa Realty, Inc., Homa Mortgage, Inc., their affiliates, and agents are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Platform or participation in a real estate or mortgage transaction.

19. Indemnification

You agree to indemnify and hold harmless Homa AI, Inc., Homa Realty, Inc., Homa Mortgage, Inc., their affiliates, partners, and agents from any claims, losses, or damages arising out of your use of the Platform, your breach of these Terms, or your participation in any transaction facilitated through Homa.

20. Dispute Resolution and Arbitration Agreement

Informal Resolution. Before filing a claim against Homa, you agree to attempt to resolve the dispute informally by contacting contact@tryhoma.com. Most concerns can be resolved quickly without formal proceedings.

Binding Arbitration. If a dispute cannot be resolved within 30 days, you and Homa agree to resolve any claim, dispute, or controversy arising out of or relating to these Terms or your use of the Platform through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect. The Federal Arbitration Act governs this Section 20.

Any in-person hearing will take place in the county where you reside, unless you and Homa agree to a virtual or remote proceeding. The arbitration shall be conducted by a single neutral arbitrator, and the arbitrator’s decision will be final and binding. Judgment on the award may be entered in any court of competent jurisdiction.

Costs. For any claim you bring, you will pay no more than the consumer filing fee permitted under the AAA Consumer Arbitration Rules, and Homa will pay all other AAA administrative fees and arbitrator compensation, unless the arbitrator determines your claim was frivolous or brought for an improper purpose. Homa will pay any fees or costs it owes within the time required by the AAA and applicable law, including California Code of Civil Procedure Sections 1281.97 and 1281.98. Each party will bear its own attorneys’ fees unless otherwise required by applicable law.

Small Claims Exception. Either party may bring an individual action in small claims court for disputes within that court’s jurisdiction.

Class Action and Jury Trial Waiver. You and Homa agree that any claims shall be brought only in an individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding. By agreeing to arbitration, you and Homa each give up the right to a jury trial for claims subject to arbitration.

Public Injunctive Relief. Nothing in this Section 20 waives your right to seek public injunctive relief to the extent that right cannot be waived under applicable law. Any claim for public injunctive relief will be severed and decided by a court of competent jurisdiction after the arbitrator resolves all arbitrable claims, and the court proceeding will be stayed pending arbitration. If a court decides that any part of the Class Action Waiver is unenforceable as to a particular claim or remedy, that claim or remedy (and only that claim or remedy) will be severed and litigated in court, and the remainder of this Section 20 will be enforced.

Equitable Relief. Notwithstanding the foregoing, Homa may seek injunctive or other equitable relief in court to prevent misuse of its intellectual property or confidential information.

21. General Terms

Severability and Survival: If any provision of these Terms is found unenforceable, the remaining provisions remain in effect. Sections related to limitation of liability, indemnification, dispute resolution, and confidentiality survive termination.
Entire Agreement: These Terms constitute the full agreement between you and Homa regarding your use of the Platform. Your Buyer Broker Agreement, any listing agreement, and any loan documents govern the services they cover.
Waiver: Failure to enforce any right does not constitute a waiver of future enforcement.
Updates to Terms: Homa may update these Terms periodically, as described in Section 16. Continued use after updates take effect constitutes acceptance of the revised Terms.
Affiliates and Service Providers: The Homa Entities are affiliated with one another as described in Section 7.5. We may identify third-party service providers (such as inspectors, title companies, or lenders) for your convenience. Homa does not accept referral fees or other compensation for referring settlement services except as permitted by the Real Estate Settlement Procedures Act and applicable state law and disclosed to you. You are free to choose any provider.

22. State Licensing and Regulatory Notices

Real estate brokerage – Homa Realty, Inc.

Florida: Licensed real estate broker corporation, Florida Real Estate Commission License #CQ1072259. Broker of Record: Kilian Goldin, License #BK3587004. Office: 155 Office Plaza Dr, Tallahassee, FL 32301.
Texas: Licensed real estate broker, Texas Real Estate Commission License #9016739-BB. Designated Broker: Kilian Goldin, License #0675648-BB. Office: 1606 Headway Cir STE 9729, Austin, TX 78754. See the Texas Real Estate Commission Information About Brokerage Services and Texas Real Estate Commission Consumer Protection Notice.
California: Real estate broker corporation, California Department of Real Estate License #02444197. Designated Officer: Kilian Goldin, DRE #02232600. Office: 260 Newport Center Dr, Newport Beach, CA 92660.

Mortgage brokerage – Homa Mortgage, Inc., NMLS #2856931 (www.nmlsconsumeraccess.org)

Florida: Licensed as a mortgage broker by the Florida Office of Financial Regulation, License #[FL OFR LICENSE #].
Texas: Licensed by the Texas Department of Savings and Mortgage Lending as a residential mortgage loan company, NMLS #2856931. See the Texas Consumer Complaint and Recovery Fund Notice below.
California: Homa Mortgage has applied for a California Financing Law license. Until that license is issued, Homa Mortgage does not make or arrange loans secured by California property.
Partner Lenders: Loans are made by partner lenders licensed by their own regulators. Lender names and license information are available on our Broker Information page.

Texas Consumer Complaint and Recovery Fund Notice

TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML’S WEBSITE: SML.TEXAS.GOV.

Equal Housing Opportunity.

23. Notice to California Residents

Under California Civil Code Section 1789.3, California users are entitled to the following consumer rights notice. The Platform is provided by Homa AI, Inc., 1606 Headway Cir STE 9729, Austin, TX 78754, (813) 833-1037. There is no charge to use the Homa (Free) tier; fees for brokerage services are set out in your Buyer Broker Agreement or listing agreement. To resolve a complaint regarding the Platform or to receive further information, contact us at contact@tryhoma.com or (813) 833-1037. You may also contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N-112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

24. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles, except that (a) the Federal Arbitration Act governs Section 20, and (b) nothing in these Terms deprives you of the protection of any law of your state of residence, or of the state where the property is located, that cannot be waived by agreement. Brokerage and mortgage services are also governed by the laws of the state where the property is located and by your separate agreements with the applicable Homa Entity.

25. MLS and Data Licensing Notice

Homa AI obtains property information from public records, Multiple Listing Services (MLSs), and third-party data providers who also source their information from public records and other authorized data sources.

All information obtained through Homa AI’s platform, website, and services is intended solely for your personal, internal use in connection with evaluating, purchasing, or selling real property and may not be disseminated, sublicensed, leased, resold, or reproduced without express written permission from Homa.

You agree and represent that you will:

Use Homa’s platform, website, and services only as authorized under these Terms;
Comply with all usage restrictions set forth herein;
Not sublicense, lease, or resell Homa’s services or data except as expressly permitted; and
Not copy, distribute, or otherwise share data except in connection with your own evaluation of real property for potential purchase or sale.

Certain property listing data and public record data displayed on the Platform are owned by their respective MLSs and licensors. All copyrights, database rights, and intellectual property rights in such data remain with their respective owners. Listing data is provided for consumer personal, non-commercial use only and may not be used for any purpose other than to identify prospective properties for purchase.

Homa and its data providers make no representations or warranties as to the accuracy, completeness, or timeliness of the data provided and expressly disclaim any warranties of merchantability or fitness for a particular purpose.

26. Contact

For questions about these Terms or your account, contact:

Homa AI, Inc.

Brokerage services provided by Homa Realty, Inc.

Mortgage brokerage services provided by Homa Mortgage, Inc., NMLS #2856931

Email: contact@tryhoma.com

Phone: (813) 833-1037

Address: 1606 Headway Cir STE 9729, Austin, TX 78754