Finding your bearings…
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Notes on why HōMI exists, how the incentives around home-buying advice actually work, and what we're building toward.
Every other voice in this decision profits when you say yes. We built HōMI to profit from clarity instead — including the clarity of an honest no.
Lenders, agents, and brokers are paid when you close, not when you're ready. That single fact quietly shapes almost every piece of advice you'll get.
The house is rarely the problem. The timing usually is — and rushing and waiting-too-long are two very different ways to get it wrong.
Not a credit score. Not an affordability calculator. Here's what the HōMI-Score is — and just as importantly, what it isn't.