Lofty is betting that the biggest drag on real estate transactions isn’t lead volume — it’s buyers who don’t understand their own finances well enough to make an offer.
The company unveiled three new products at Inman Connect San Diego on Tuesday: an expanded version of its Lofty AOS platform anchored by a new artificial intelligence workspace called Cowork, and House.ai, a standalone financial-readiness tool aimed at consumers.
The pitch behind House.ai leans on a Wells Fargo survey cited in the company’s announcement: nearly 70 percent of prospective first-time buyers say they understand the homebuying process, but about 75 percent couldn’t answer half the questions correctly on a 12-question homebuying quiz, and 90 percent misunderstood how closing costs work.
Lofty’s framing is that this knowledge gap, not buyer hesitancy, is what stalls transactions before an agent ever gets a call.
House.ai works on the consumer side first, helping people build credit, save and figure out real affordability. Then it routes “offer-ready” leads into the Lofty network once a buyer’s profile clears that bar.
Joe Chen, CEO and founder of House.ai, framed it as a filter rather than a funnel.
“The real estate industry has been held back from achieving its growth potential as consumers lack the personalized insight needed to harness their true buying power,” said Chen. “House.ai closes that gap for consumers, and it changes the equation for agents, too: instead of chasing unqualified leads, professionals in the Lofty network meet clients who already know their number, their gap and their plan. This ensures a better experience for buyers and a stronger pipeline for the professionals who serve them.”
Cowork, meanwhile, is aimed at the agent side of the same problem, but the problem there is friction, not knowledge.
Lofty’s argument is that most AI tools in real estate are reactive: an agent has to know what to ask before a chatbot is any use. Cowork instead surfaces a prioritized list of tasks each morning — what the company calls “Your Morning Read” and “What Needs You Now” — and lets agents execute mass texts, build Smart Plans or hand off entire workflows to custom AI agents with one click.
“Artificial intelligence has become a commonplace term in real estate, but most solutions remain reactive, placing the burden on the agent to prompt tools, interpret outputs and determine next steps,” said Henry Li, Chief Technology Officer at Lofty. “Lofty AOS and the addition of Cowork eliminates the dependence on agent adoption to make AI a reality, finally capturing the productivity and efficiency gains AI has long promised but seldom delivered.”
Taken together, the new product launches point to where Lofty thinks the transaction actually breaks down: not at the top of the funnel, where most proptech still competes for lead volume, but in the gap between an interested consumer and a mortgage-ready one — and in the gap between an agent’s task list and the time to work it.
Both products debut this week at Inman Connect San Diego 2026 (Booth No. 4 in the Expo Hall), where Lofty is betting agentic AI can do more than automate tasks but can also reshape how real estate businesses run.
