@armanjava

Founder @BuyWithHoma ex @Zillow @Trulia

 San Francisco, CA
tryhoma.com/?utm_source=x&utm_medium=organic_social&utm_campaign=profile&utm_content=armanja
Joined July 2010
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Rates finally went down a little, and I know a little doesn't feel like much when you're trying to buy. Freddie Mac's 30-year average was 7.32% last week, down from 7.40%. A year ago it was 6.19%. The Fed meets this week and is expected to hold.
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If the monthly payment is the thing keeping you from buying right now, that makes total sense. On a $1M home, Homa buyers get $20,000 back as a Homa Credit, and putting it toward the rate takes it from 6.99% to 6.37%, about $327 less a month.
Monthly payment on a $1M home drops from $5,317 to $4,990 with a Homa Credit rate buydown.

ALT Monthly payment on a $1M home drops from $5,317 to $4,990 with a Homa Credit rate buydown.

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Replying to @vxjam_ @BuyWithHoma @QuietCapital @twifintech
Thanks VJ, you’re right. We’ll fix that discrepancy. Looks like a typo in one of our a/b experiment home pages. It shouldn’t say average. It should look like the attached.
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Replying to @BuyWithHoma
@BuyWithHoma just raised a $5M seed to help transform home buying. We're now live in CA, TX, and FL. On-demand tours, experts at every step, and up to 2% back to lower closing costs, the purchase price, or to buy down your mortgage rate. Led by @QuietCapital with participation from @restivevc and @rexsalisbury . Excited for this next chapter! Know someone buying a home? Share this with them and help them save over $10K. tryhoma.com
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San Francisco, Aug 2026 vs a year ago: Median price: $1.875M (+25%) Active listings: -54% Inventory: 1.3 months (was 2.3) San Mateo +13%. Santa Clara flat. Solano -7%. The Bay Area isn't one market anymore. Source: C.A.R.
Diverging bar chart of year-over-year change in median single-family price by Bay Area county, Aug 2026 vs Aug 2025: San Francisco +25.0%, San Mateo +13.2%, Marin +8.4%, Contra Costa +2.9%, Alameda +1.3%, Santa Clara 0.0%, Napa -2.9%, Sonoma -5.1%, Solano -7.3%. San Francisco callout: $1.875M median, active listings down 53.6% year over year, 1.3 months of inventory vs 2.3 a year ago. Source: C.A.R.

ALT Diverging bar chart of year-over-year change in median single-family price by Bay Area county, Aug 2026 vs Aug 2025: San Francisco +25.0%, San Mateo +13.2%, Marin +8.4%, Contra Costa +2.9%, Alameda +1.3%, Santa Clara 0.0%, Napa -2.9%, Sonoma -5.1%, Solano -7.3%. San Francisco callout: $1.875M median, active listings down 53.6% year over year, 1.3 months of inventory vs 2.3 a year ago. Source: C.A.R.

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Median days to sell a house in California (Aug 2026): San Mateo: 11 Santa Clara: 12 Alameda: 14 San Diego: 19 LA: 30 SF: 34 Sonoma: 60 On the Peninsula, get pre-approved before you tour. In the North Bay, you have room to negotiate. Source: C.A.R.
Bar chart of median days on market for single-family homes by California county, August 2026 vs August 2025: San Mateo 11 (13), Santa Clara 12 (13), Alameda 14 (16), San Diego 19 (27), Contra Costa 20 (21), Orange 27 (32.5), Los Angeles 30 (28), San Francisco 34 (37), Marin 56 (77.5), Sonoma 60 (67). Statewide 28 days (31 a year ago). Source: C.A.R.

ALT Bar chart of median days on market for single-family homes by California county, August 2026 vs August 2025: San Mateo 11 (13), Santa Clara 12 (13), Alameda 14 (16), San Diego 19 (27), Contra Costa 20 (21), Orange 27 (32.5), Los Angeles 30 (28), San Francisco 34 (37), Marin 56 (77.5), Sonoma 60 (67). Statewide 28 days (31 a year ago). Source: C.A.R.

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What the buyer's agent commission is worth on a median-priced home: San Mateo: ~$49.7K Santa Clara: ~$42K SF: ~$41.4K Orange: ~$32.1K LA: ~$22.2K With Homa, most of it comes back to the buyer at closing. Data: C.A.R. Aug 2026 medians, Redfin avg commission rates
Bar chart: buyer's agent commission on a median-priced single-family home by California county, split into Homa's fee (1% of price) and the amount credited to the buyer with Homa. San Mateo $49.7K ($27.2K back), Santa Clara $42.0K ($23.0K back), San Francisco $41.4K ($22.7K back), Orange $32.1K ($17.6K back), Alameda $28.4K ($15.5K back), San Diego $24.1K ($13.2K back), Los Angeles $22.2K ($12.7K back). Medians from C.A.R. Aug 2026; commission rates from Redfin 2025 averages by price tier. Illustrative; credit depends on seller-paid compensation and lender approval.

ALT Bar chart: buyer's agent commission on a median-priced single-family home by California county, split into Homa's fee (1% of price) and the amount credited to the buyer with Homa. San Mateo $49.7K ($27.2K back), Santa Clara $42.0K ($23.0K back), San Francisco $41.4K ($22.7K back), Orange $32.1K ($17.6K back), Alameda $28.4K ($15.5K back), San Diego $24.1K ($13.2K back), Los Angeles $22.2K ($12.7K back). Medians from C.A.R. Aug 2026; commission rates from Redfin 2025 averages by price tier. Illustrative; credit depends on seller-paid compensation and lender approval.

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California housing, August 2026, in 6 numbers: • $901,420 median price (+0.1% YoY) • 28 days to sell (31 a year ago) • 98.9% sale-to-list ratio • 36.8% sold over asking • 17% had a price cut • 3.7 months of inventory Flat prices, faster sales. Sources: C.A.R., Redfin
California housing, August 2026, in 6 numbers: $901,420 median single-family price, +0.1% vs Aug 2025 (C.A.R.). 28 days median time to sell, was 31 (C.A.R.). 98.9% sale-to-list ratio, was 98.3% (C.A.R.). 36.8% of homes sold over asking, +3.2 points (Redfin). 17% of listings had a price cut, was 16% (Redfin). 3.7 months of unsold inventory, was 3.9 (C.A.R.).

ALT California housing, August 2026, in 6 numbers: $901,420 median single-family price, +0.1% vs Aug 2025 (C.A.R.). 28 days median time to sell, was 31 (C.A.R.). 98.9% sale-to-list ratio, was 98.3% (C.A.R.). 36.8% of homes sold over asking, +3.2 points (Redfin). 17% of listings had a price cut, was 16% (Redfin). 3.7 months of unsold inventory, was 3.9 (C.A.R.).

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One of our buyers got $12,000 back at closing on a $624,900 home in Round Rock, Texas. The same math on a Bay Area home is a different universe. At $1.5M with 2.5% offered to the buyer's agent, the credit would be $22,500. The bigger the price, the more it matters who's on your side of the table. (Depends on seller-paid comp and lender approval.)
Bigger price, bigger credit. Round Rock, TX: $12,000 back to an actual Homa buyer at closing on a $624,900 home. Bay Area, CA: an illustrative $22,500 back on a $1.5M home with 2.5% offered. Depends on seller-paid compensation and lender approval.

ALT Bigger price, bigger credit. Round Rock, TX: $12,000 back to an actual Homa buyer at closing on a $624,900 home. Bay Area, CA: an illustrative $22,500 back on a $1.5M home with 2.5% offered. Depends on seller-paid compensation and lender approval.

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LA condo, $950K. Seller offers 2% to the buyer's agent: $19,000. Most buyers never see a dollar of it. With Homa, we keep 1% of the price ($9,500) and $9,500 comes back to you as a credit at closing. That's real money for closing costs, a rate buydown, or just lowering what you pay. (Depends on seller-paid comp and lender approval.)
$9,500 back to the buyer at closing on a $950K Los Angeles condo. The seller offered 2% ($19,000) to the buyer's agent: Homa's fee is $9,500 (1% of price) and the $9,500 Homa Credit goes to the buyer. A traditional agent keeps all $19,000. Illustrative; depends on seller-paid compensation and lender approval.

ALT $9,500 back to the buyer at closing on a $950K Los Angeles condo. The seller offered 2% ($19,000) to the buyer's agent: Homa's fee is $9,500 (1% of price) and the $9,500 Homa Credit goes to the buyer. A traditional agent keeps all $19,000. Illustrative; depends on seller-paid compensation and lender approval.

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