About Unlocked

What is Unlocked

Unlocked is a better way to buy your next Bay Area home. We provide all of the services of a traditional real estate agent, and give our buyers a 2% cash back rebate. We have built a more customer-oriented, simpler and transparent buying experience, to help Bay Area home buyers naviagate today's competitive market.

We really focus on putting our clients first, and we get very positive feedback from our clients (check out our Yelp reviews).

Who We Are

Unlocked was founded by two Bay Area homeowners committed to the simple idea that there is a better way to buy and sell a home.


Matthew Armstrong: Matthew wishes that Unlocked existed when he and his wife bought their San Francisco home. Alas, it didn’t, but he’s going to make sure it does when they buy their next home. Matthew previously worked at Bain & Company, Bain Capital and Lending Club, and holds an MBA from Stanford’s Graduate School of Business, and a BCom/BSc from the University of New South Wales in Sydney, Australia.


Jesse Payne-Johnson: Jesse likes making things work. When he’s not hard at work at Unlocked, look for Jesse desperately trying to find a flat running route in San Francisco, or enjoying a hike in Marin. Jesse previously worked at Wachtell, Lipton, Rosen & Katz and the Boston Consulting Group, and is a graduate of Harvard College and Yale Law School.


Naomi Kort: Naomi is Unlocked’s Lead Data Scientist, and is an active Unlocked client! She’s excited about using data science to bring transparency and predictability to the world of real estate sales and pricing. In her free time, Naomi enjoys skiing and the occasional visit to wine country. Naomi has a PhD from UC Berkeley and UCSF, and previously worked as a postdoctoral fellow at UCSF in the field of neural predictive coding.


Wally (The Wonder Dog): Wally wears many hats at Unlocked. His interests include being handsome, froillicking with his friends at the dog park, and protecting the rest of the Unlocked team from danger (real and imagined, mostly imagined). He likes going to open homes to see (and smell) more of the Bay Area. Wally joined Unlocked from the great people at the SF SPCA.

Why We Created Unlocked

Buying a home is a big financial and emotional decision. When we bought our Bay Area homes, we were very frustrated with the home buying process. We found the process to be opaque, stressful and required a lot of manual work. We also calculated what our agents made off our transactions and thought it wasn’t justified. So we decided to create a better home buying experience, with better economics for the buyer by offering a 2% cash back rebate (the largest rebate in the Bay Area).

We’ve created a buying experience that’s more customer-oriented, more transparent and more data-driven. We’ve built tools to make your job as a buyer much easier, clearer and straight-forward. We believe that buying agents shouldn’t earn $50,000+ for closing your deal, and give 2% of the purchase price back to you, the buyer. That 2% results in tens of thousands of dollars that can go towards renovating your new home, buying new furniture, or paying down your mortgage.

We’re licensed real estate agents, and we’re also a Yale JD and a Stanford MBA who’ve worked at top-tier consulting, law and private equity firms, so you’ll be working with agents that can add a lot more than “this market is crazy!” We approach the home buying process as we do any business problem - driven by data and insight, not ‘gut intuition’. We are responsive to our customers' need, and always put their interests first. We’ve created the home buying experience we wanted when we bought our homes, and we’re sure you’ll love it, just like our past clients have (check out what our clients are saying on our Yelp reviews).

Our Vision

Buying and selling your home should be:

  • Cheaper: Traditional real estate agents make a killing on every deal. ~5% of every transaction is split between the real estate agents. With escalating Bay Area real estate values, that can be hundreds of thousands of dollars! Buyers and sellers should keep more of that money. We think there should be a better financial deal for buyers and sellers.

  • Technology-forward: The traditional home buying and selling process is very manual, labor intensive and can leave you drowning in paperwork and legalese. As a result, you are reliant on real estate agents to complete your transaction. We think technology and data can make real estate transactions easier, faster and more transparent.

  • A better experience: If you spent $10,000 at any retail store, you’d be pampered like royalty. In real estate, you could spend 100 times that and still feel frustrated, pressured, confused and unimportant. We want to bring white-glove service and trusted expertise to such a big financial decision. We think that buying or selling your home should be a high-end retail experience.

To learn more about Unlocked's awesome buying process, please visit our How Unlocked Works page, or contact us below.

Contact Us



You can email us anytime support @ unlockedhome.com



Call us Monday-Saturday 9am-7pm PT (650) 797-0633


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