Arman Javaherian

Founder @BuyWithHoma ex @Zillow @Trulia

[Arman Javaherian @armanjava]

When I bought my house I did most of the agent work myself... open houses, comps, reading every disclosure, and my realtor best friend split the commission with me 50/50. That deal is basically Homa now, except AI does the legwork and the commission comes back to you at closing.

[Arman Javaherian @armanjava]

@SecretaryTurner @POTUS factory-built homes are one of the few real levers on price in California... the catch is transaction costs don't shrink with the build cost, though most buyers don't know the agent commission is one piece they can actually get back

[Arman Javaherian @armanjava]

@RepHorsford more supply matters but it takes years before buyers feel it in prices... the fastest cut is at the closing table, where most people don't realize the buyer's agent commission can come back to them

[Arman Javaherian @armanjava]

@HUDgov donated land takes a real bite out of the price, love seeing it in San Antonio... but those 35 first-time buyers still hit closing costs and an agent fee at the table, and that commission doesn't have to be a sunk cost

[Arman Javaherian @armanjava]

@mitchellvii whatever does or doesn't pass in DC, buyers don't have to wait on Congress to pay less... a big chunk of what you pay at closing is negotiable today, including the buyer's agent commission, which most people don't realize can come back to them

[Arman Javaherian @armanjava]

@latimes the new loans help with the down payment but that was never the only wall... it's the cash you need at closing that stops most people, and hardly anyone knows the buyer's agent commission can come back to you

[Arman Javaherian @armanjava]

@SecretaryTurner @WHFraudTF the $16M spread is the part that should bother everyone... regular buyers get the same middleman treatment on a smaller scale, fees stacked on fees that nobody questions, and most people never find out the buyer's agent commission can actually come back to them

[Arman Javaherian @armanjava]

@stephmase22 the age stat gets the headlines but I think the cash needed upfront is what really holds people back, a down payment plus closing costs and an agent fee most buyers never question... and hardly anyone knows you can actually get the buyer's agent commission back

[Arman Javaherian @armanjava]

California just passed Prop 37 with 61% voting yes... a $25B bond covering up to 17% of a new build as a second loan, with as little as 3% down. real help but only half the math... with Homa, a licensed AI-native brokerage, the agent commission comes back to you at closing.

[Arman Javaherian @armanjava]

@patio11 regulated work is a decent test of the LARP question since a licensed person has to put their name on whatever the AI produces, so if it's a LARP they find out fast... in real estate it's real enough that buyers can now get the buyer's agent commission back

[Arman Javaherian @armanjava]

@lennysan the part I keep wondering about is who keeps the 1.5 years of savings, the firm or the client... in real estate AI is already doing a lot of the agent's work, and the interesting part is buyers can now get the buyer's agent commission back

[Arman Javaherian @armanjava]

@awealthofcs those yearly numbers leave out the cost of getting in, and for anyone who sells in a few years closing costs and commissions can eat a 1% year of gains... though most buyers don't realize you can get the buyer's agent commission back

[Arman Javaherian @armanjava]

@CNBC rates falling three weeks in a row and buyers still walking away makes me think the monthly payment is still the wall, not the headline rate... and most buyers don't know they can get the buyer's agent commission back and use it to buy that rate down

[Arman Javaherian @armanjava]

@TiffanyFong @vicfongrealtor at $1.695M in SF the agent commission is a really big number... and most buyers walking through an open house like that never ask what it's actually buying them. the wild part is you can get the buyer's agent commission back

[Arman Javaherian @armanjava]

@DaveRamsey debt free is a great rule until the house shows up, since for most buyers the mortgage is a payment they can't skip... so the fight worth having is how big it gets, and at Homa, a licensed AI-native brokerage, the commission comes back to you at closing to buy your rate down

[Arman Javaherian @armanjava]

@sytaylor @eglyman @tryramp the 7,000 PRs from non-engineers is the part I keep thinking about... in a regulated business the people who know the rules best are usually the licensed ops folks, not engineers, so letting them ship directly feels like the real unlock, also slightly terrifying for compliance

[Arman Javaherian @armanjava]

Most buyers hand their agent a five figure commission without ever asking what they got for it... at @BuyWithHoma the AI does the searching, comps and offer math, a licensed agent signs off, and the commission comes back to you at closing, which the old model never would

[Arman Javaherian @armanjava]

@MINHxDYNASTY the worth it question in LA mostly comes down to the monthly number with taxes and insurance, not the sticker price... curious if your agent friend got into how much the buyer's agent gets paid and if any of it comes back to you, that catches a lot of first time buyers off guard

[Arman Javaherian @armanjava]

@DeItaone 7.24 still stings but two weeks in a row going the right way matters more to buyers than the exact number... and you can buy the rate down on top of whatever the market does, at Homa the commission comes back to you at closing and you can put it toward exactly that

[Arman Javaherian @armanjava]

@NewsLambert Austin has been in this mode for a while now... the builders out there are basically paying people to buy with buydowns and concessions, so the resale sellers competing against that are the ones who really have to get realistic, which is honestly a decent setup for buyers

[Arman Javaherian @armanjava]

@Austen the part that jumped out at me is that the misses were judgment calls, like a client's exclusion about to lapse... that's the same spot where a licensed person signs their name in real estate, so I'd love to see this scored with the agent plus a human reviewer together