diff --git a/.Jules/changelog.md b/.Jules/changelog.md
index 11fc864..29838df 100644
--- a/.Jules/changelog.md
+++ b/.Jules/changelog.md
@@ -55,6 +55,13 @@
     - Captures errors in `AppRoutes` and displays a user-friendly message instead of a white screen.
   - **Technical:** Created `web/components/ErrorBoundary.tsx` using a hybrid Class+Functional approach to support Hooks in the fallback UI. Integrated into `web/App.tsx`.
 
+- **Mobile Skeleton Loading:** Replaced generic ActivityIndicator with `GroupListSkeleton` for smoother and more professional loading state.
+  - **Features:**
+    - Custom animated `Skeleton` primitive utilizing `Animated.loop` to mimic content layout.
+    - Added comprehensive skeleton list container component mirroring actual data appearance.
+    - Ensured screen reader compatibility with appropriate progressbar ARIA equivalents (`accessible=true`, `accessibilityRole=progressbar`, `accessibilityLabel="Loading groups"`).
+  - **Technical:** Created `mobile/components/ui/Skeleton.js` and `mobile/components/skeletons/GroupListSkeleton.js`. Integrated into `mobile/screens/HomeScreen.js`.
+
 - Inline form validation in Auth page with real-time feedback and proper ARIA accessibility support (`aria-invalid`, `aria-describedby`, `role="alert"`).
 - Dashboard skeleton loading state (`DashboardSkeleton`) to improve perceived performance during data fetch.
 - Comprehensive `EmptyState` component for Groups and Friends pages to better guide new users.
diff --git a/.Jules/todo.md b/.Jules/todo.md
index ebb0c7a..5f12324 100644
--- a/.Jules/todo.md
+++ b/.Jules/todo.md
@@ -57,8 +57,9 @@
   - Impact: Native feel, users can easily refresh data
   - Size: ~150 lines
 
-- [ ] **[ux]** Complete skeleton loading for HomeScreen groups
-  - File: `mobile/screens/HomeScreen.js`
+- [x] **[ux]** Complete skeleton loading for HomeScreen groups
+  - Completed: 2026-02-14
+  - Files: `mobile/screens/HomeScreen.js`, `mobile/components/ui/Skeleton.js`, `mobile/components/skeletons/GroupListSkeleton.js`
   - Context: Replace ActivityIndicator with skeleton group cards
   - Impact: Better loading experience, less jarring
   - Size: ~40 lines
diff --git a/mobile/components/skeletons/GroupListSkeleton.js b/mobile/components/skeletons/GroupListSkeleton.js
new file mode 100644
index 0000000..c63c849
--- /dev/null
+++ b/mobile/components/skeletons/GroupListSkeleton.js
@@ -0,0 +1,47 @@
+import React from 'react';
+import { View, StyleSheet } from 'react-native';
+import { Card } from 'react-native-paper';
+import Skeleton from '../ui/Skeleton';
+
+const GroupListSkeletonItem = () => {
+  return (
+    <Card style={styles.card}>
+      <Card.Title
+        title={<Skeleton width={120} height={16} borderRadius={4} />}
+        left={(props) => <Skeleton width={40} height={40} borderRadius={20} />}
+      />
+      <Card.Content>
+        <Skeleton width={150} height={14} borderRadius={4} style={styles.subtitle} />
+      </Card.Content>
+    </Card>
+  );
+};
+
+const GroupListSkeleton = ({ count = 3 }) => {
+  return (
+    <View
+      style={styles.container}
+      accessible={true}
+      accessibilityRole="progressbar"
+      accessibilityLabel="Loading groups"
+    >
+      {Array.from({ length: count }).map((_, index) => (
+        <GroupListSkeletonItem key={index} />
+      ))}
+    </View>
+  );
+};
+
+const styles = StyleSheet.create({
+  container: {
+    padding: 16,
+  },
+  card: {
+    marginBottom: 16,
+  },
+  subtitle: {
+    marginTop: 4,
+  },
+});
+
+export default GroupListSkeleton;
diff --git a/mobile/components/ui/Skeleton.js b/mobile/components/ui/Skeleton.js
new file mode 100644
index 0000000..0f2b642
--- /dev/null
+++ b/mobile/components/ui/Skeleton.js
@@ -0,0 +1,51 @@
+import React, { useEffect, useRef } from 'react';
+import { Animated, View, StyleSheet } from 'react-native';
+import { useTheme } from 'react-native-paper';
+
+const Skeleton = ({ width, height, borderRadius = 4, style }) => {
+  const theme = useTheme();
+  const opacity = useRef(new Animated.Value(0.3)).current;
+
+  useEffect(() => {
+    const loop = Animated.loop(
+      Animated.sequence([
+        Animated.timing(opacity, {
+          toValue: 0.7,
+          duration: 800,
+          useNativeDriver: true,
+        }),
+        Animated.timing(opacity, {
+          toValue: 0.3,
+          duration: 800,
+          useNativeDriver: true,
+        }),
+      ])
+    );
+    loop.start();
+    return () => loop.stop();
+  }, [opacity]);
+
+  return (
+    <Animated.View
+      style={[
+        styles.skeleton,
+        {
+          width,
+          height,
+          borderRadius,
+          backgroundColor: theme.colors.surfaceVariant,
+          opacity,
+        },
+        style,
+      ]}
+    />
+  );
+};
+
+const styles = StyleSheet.create({
+  skeleton: {
+    overflow: 'hidden',
+  },
+});
+
+export default Skeleton;
diff --git a/mobile/screens/HomeScreen.js b/mobile/screens/HomeScreen.js
index d2f3c38..e8c2320 100644
--- a/mobile/screens/HomeScreen.js
+++ b/mobile/screens/HomeScreen.js
@@ -13,6 +13,7 @@ import {
 import HapticButton from '../components/ui/HapticButton';
 import HapticCard from '../components/ui/HapticCard';
 import { HapticAppbarAction } from '../components/ui/HapticAppbar';
+import GroupListSkeleton from '../components/skeletons/GroupListSkeleton';
 import * as Haptics from "expo-haptics";
 import { createGroup, getGroups, getOptimizedSettlements } from "../api/groups";
 import { AuthContext } from "../context/AuthContext";
@@ -257,9 +258,7 @@ const HomeScreen = ({ navigation }) => {
       </Appbar.Header>
 
       {isLoading ? (
-        <View style={styles.loaderContainer}>
-          <ActivityIndicator size="large" />
-        </View>
+        <GroupListSkeleton />
       ) : (
         <FlatList
           data={groups}