Realfinity, an AI-powered mortgage infrastructure platform, and Homa, an AI-enabled homebuying platform, have announced a strategic partnership aimed at providing more affordable and transparent home financing. Through this collaboration, eligible Homa buyers will gain access to mortgage rates 0.75% below the national average, facilitated by Realfinity’s mortgage origination capabilities.
Homa’s platform offers an alternative to the traditional agent model by integrating on-demand tours, intelligent pricing insights, automated offer drafting, disclosure summaries, and AI-guided closing support. Realfinity complements these features by supplying the capital, compliance, and mortgage origination infrastructure necessary for efficient, low-cost mortgage execution.
The partnership focuses on several key areas. It provides meaningfully lower mortgage rates for eligible Homa buyers through Realfinity’s embedded mortgage experience. It establishes a unified offer-to-close workflow, where buyers can complete a pre-approval experience within Homa, upload documents, and move from discovery to underwriting and closing. Additionally, Realfinity’s infrastructure ensures compliant workflows, rapid credit decisions, and a streamlined closing process aligned with Homa’s transaction model. Both companies share a commitment to increasing transparency, reducing transaction costs, and modernizing the homebuying experience for consumers.
Luca Dahlhausen, CEO of Realfinity, stated that the collaboration marks a step in how homebuyers access real estate and financing. He noted that Realfinity’s API-driven infrastructure allows partners like Homa to offer lending directly to clients, transforming the process from application to closing, delivering lower rates through AI-powered underwriting, and reducing sales costs by embedding mortgages at the point of sale.
Arman Javaherian, CEO and co-founder of Homa, commented that the partnership with Realfinity empowers buyers and makes homeownership more accessible by integrating a financing experience designed for the modern consumer. He emphasized that this collaboration aims to significantly lower costs, increase transparency, and provide buyers with a more efficient way to purchase and finance their homes.
Homa customers have reportedly begun closing on homes using this mortgage platform. John Harrison, a Homa user in the Tampa area, reported that Homa made the process intuitive from offer to closing, and Realfinity worked with Homa to secure a favorable rate. He described the overall process as seamless and enjoyable.
Homa is an AI-powered homebuying platform designed to allow buyers to retain 75% or more of the buyer’s agent commission while receiving support throughout the transaction. The platform combines tools with AI trained on state-specific laws, MLS data, and real estate practices to provide guidance. Founded by Arman Javaherian and Federico Campeoto, Homa facilitates scheduling tours, reviewing disclosures, analyzing pricing, drafting offers, navigating inspections, and managing closing, with both AI and human support. The company notes that many buyers are using AI tools in their home search and considering purchasing a home without a traditional agent.
Realfinity is a mortgage technology company that provides AI-driven origination infrastructure to lenders and advisors. Its platform aims to introduce automation and intelligence into the mortgage sector, modernizing the market by reducing origination costs, inefficiencies, and enabling local lenders, realtors, and wealth advisors to compete with national lenders. By rebuilding the mortgage origination stack with intelligent workflows, Realfinity enables partners to offer faster, lower-cost, and more transparent mortgages without escalating human labor. The B2B2C platform has over $150 million in funded originations, providing end-to-end automation, real-time credit decisions, and direct access to capital markets.
