Can AI Empower Home Buyers to Represent Themselves? This Month, Homa Debuts in Florida

A new real estate company, Homa, says it can cut the “red tape, middlemen, and mystery” from the home buyer’s experience. It’s an AI-powered tool that helps customers handle their own purchases, step by step.  

Homa also claims to cut out the pressure and bias that buyers face in the traditional market.

How Homa Works

Buyers can use Homa around the clock. They can:

• Schedule tours of homes and build direct relationships with the listing agents.

• Make offers. Homa’s AI tools provide the equivalent of what agents call comps, to suggest a “smart” offer price. The website scores a hopeful buyer’s influence in potential negotiations, with a data-based outlook. Homa considers factors like the length of time a given listing has been active, and the home’s pricing as compared to similar homes in the area.

• Draw up a legal contract, based on the state’s model document.

• Ask the seller for a closing cost credit or price discount, as there’s no buyer’s agent commission. Homa says the buyer can save thousands of dollars by using its negotiation prompts.

• Handle the escrow of funds, supported by an AI assistant.

• Navigate through closing.

Why the focus on buyers? “We’re not trying to replace the listing agent,” the Homa CEO explains. Given the set of potential liabilities involved in selling, he says, “you need someone to be there for you.”

Looking to sell a home? There’s an art to finding yourself a great agent.

But Is DIY Home Buying Safe?

New AI tech like this would encourage buyers to take the lead in big-money transactions. Is that a safe idea?

Homa says it is. The CEO, Arman Javaverian, was once a Zillow senior director. So he knows the industry.

Moreover, the company trains its AI on state laws and professional real estate courses. This is meant to equip buyers with a knowledge base that rivals agents’ training.  

Homa, says its CEO, “enables buyers to go toe-to-toe with listing agents” and succeed.

How successful can a buyer be? From the FAQ page: “On a $500,000 home purchase, you could save up to $12,500 or more compared to using a traditional buyer’s agent.”

And what about at the seller’s end? Javaherian, the CEO, says sellers’ agents will benefit. Sellers’ listings appear in front of Homa users. So does guidance for making offers on their homes. The company urges sellers to welcome interest from self-represented buyers. One big reason? It will be a faster journey to closing, says Javaherian. 

Rolled Out in Florida First

The first state where people will get a chance to try out this new platform is Florida.

The company picked the state for the debut because of Florida’s tech-friendly laws and regulations.

On May 5, 2025, Homa’s launch date, the company announced that the service “enables buyers to navigate the home buying process completely unrepresented, removing the pressure, bias, and financial conflicts often associated with agents.”

In short, Homa says, the AI tool can lower the price of obtaining the deed to a home. And it’s not charging anything for the AI tool during this early stage of the game.

Homa isn’t a fan of the top online real estate sites, and doesn’t think buyers should feel pushed into using agents.

AI Promises for the Real Estate Market

AI promises a number of advantages to power people through transactions. AI could help us to:

• Predict where current deed holders might be willing to sell their homes — based on how long  they’ve lived in them, and the surrounding averages.

• Create virtual tours and show buyers how interiors will look with the buyer’s furnishings inside.

• Help people find homes they’ll like, in places they might not have thought to look for them.

• Predict the value of various possible home renovations on the future sale of a home.

• Study the success rate of licensed agents.

Not everyone will want to avoid agents completely. But AI options can complement what an agent does. Buyers who do have agents can still get insights from Homa’s data analysis tools.

AI tools could especially attract the “digital-native” younger generations. Actually, home shoppers in general may well be ready for innovation, Homa’s leadership claims. Buyers know about agents’ commissions today. They now sign off on these fees at the start. The buyer no longer automatically covers them.

This may lead buyers to question the value of agents’ fees in some situations. A study published by Clever Research shows that half of surveyed buyers would consider representing themselves in a real estate deal.  

Self-Representation: Future Trend?

There’s always been some demand for home purchases straight from seller to buyer. But with AI, companies are getting serious about setting up customer-focused markets online.  But these tech-based tools don’t represent customers in deed transactions. They equip their customers to represent themselves. 

Galleon is another example we’ve covered in recent months. Its new, AI-driven set of tools is already available in 40+ states. With Galleon, the idea is to get people to stop sitting on real estate and start meeting hopeful buyers.

Some people might sell, if they could do so without too much friction. Now, homeowners can simply state the price that would get them to sell. No need to set up a traditional listing.

So, are Homa’s plans to expand throughout the United States timely? To Homa, there’s no time like the present to give people a “smarter, more cost-effective, and more efficient way” to manage a home purchase.

Self-Directed Buyers: What to Know

Plenty of folks could handle home purchase transactions themselves, with support of the latest data-driven tech. If you’re thinking about going this route, keep these factors in mind:

• People have the power to use forms to create their own deeds. Parties to a deed transaction can still look to professionals to create purchase agreements, escrow accounts, and loan documents.

• To get a mortgage, an appraisal and inspection must happen. A local title company can run a title search and provide the necessary title insurance for the lender.

• The buyer is free to select a title insurance company. An owner’s title policy — optional but recommended — can be bundled in with the policy that names the lender as beneficiary.

Note: Attorneys, financial advisers, and tax specialists offer important, case-specific guidance to help their clients maximize the potential of a deed transaction. Deeds.com does not provide financial or legal advice.