diff --git a/.Jules/changelog.md b/.Jules/changelog.md
index 11fc864..3cbc081 100644
--- a/.Jules/changelog.md
+++ b/.Jules/changelog.md
@@ -7,6 +7,15 @@
 ## [Unreleased]
 
 ### Added
+- **Mobile Skeleton Loading:** Implemented skeleton loading states for the Home screen group list.
+  - **Features:**
+    - Replaced `ActivityIndicator` with a list of `GroupCardSkeleton` components.
+    - Mimics the exact layout of the group cards (Avatar + Title + Subtitle).
+    - Uses `Animated` for a smooth pulsing opacity effect.
+    - Automatically adapts to light/dark mode using `react-native-paper` theme.
+    - Accessible container with `accessibilityLabel="Loading groups"`.
+  - **Technical:** Created `mobile/components/ui/Skeleton.js` and `mobile/components/skeletons/GroupCardSkeleton.js`. Integrated into `mobile/screens/HomeScreen.js`.
+
 - **Password Strength Meter:** Added a visual password strength indicator to the signup form.
   - **Features:**
     - Real-time strength calculation (Length, Uppercase, Lowercase, Number, Symbol).
diff --git a/.Jules/knowledge.md b/.Jules/knowledge.md
index 43a9ab0..902307e 100644
--- a/.Jules/knowledge.md
+++ b/.Jules/knowledge.md
@@ -317,6 +317,31 @@ When building mobile screens with React Native Paper:
 3.  **Hints:** Use `accessibilityHint` for non-obvious actions (e.g., "Double tap to delete").
 4.  **State:** For custom checkboxes or toggles, use `accessibilityState={{ checked: boolean }}`.
 
+### Skeleton Loading Pattern
+
+**Date:** 2026-02-12
+**Context:** Implementing HomeScreen skeletons
+
+To create professional loading states in React Native:
+
+1.  **Base Component:** Create a `Skeleton` component using `Animated` for pulsing opacity.
+    *   Use `useTheme` to set background color (e.g., `theme.colors.surfaceVariant`).
+    *   Use `useNativeDriver: true` for performance.
+2.  **Layout Mirroring:** Create a specific skeleton component (e.g., `GroupCardSkeleton`) that mirrors the actual component's layout using `Card`, `View`, and spacing.
+3.  **Integration:**
+    *   Replace `ActivityIndicator` with a list of skeletons.
+    *   Wrap in a `View` with `accessible={true}` and `accessibilityLabel="Loading..."`.
+
+```javascript
+// Animation Logic
+Animated.loop(
+  Animated.sequence([
+    Animated.timing(opacity, { toValue: 0.7, duration: 800, useNativeDriver: true }),
+    Animated.timing(opacity, { toValue: 0.3, duration: 800, useNativeDriver: true }),
+  ])
+).start();
+```
+
 ---
 
 ## API Response Patterns
diff --git a/.Jules/todo.md b/.Jules/todo.md
index ebb0c7a..6e71fd5 100644
--- a/.Jules/todo.md
+++ b/.Jules/todo.md
@@ -57,11 +57,12 @@
   - 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: 2026-02-12
+  - Files: `mobile/screens/HomeScreen.js`, `mobile/components/ui/Skeleton.js`, `mobile/components/skeletons/GroupCardSkeleton.js`
   - Context: Replace ActivityIndicator with skeleton group cards
   - Impact: Better loading experience, less jarring
-  - Size: ~40 lines
+  - Size: ~80 lines
   - Added: 2026-01-01
 
 - [x] **[a11y]** Complete accessibility labels for all screens
diff --git a/mobile/components/skeletons/GroupCardSkeleton.js b/mobile/components/skeletons/GroupCardSkeleton.js
new file mode 100644
index 0000000..ea1b0f9
--- /dev/null
+++ b/mobile/components/skeletons/GroupCardSkeleton.js
@@ -0,0 +1,25 @@
+import React from 'react';
+import { Card } from 'react-native-paper';
+import Skeleton from '../ui/Skeleton';
+
+const GroupCardSkeleton = () => {
+  return (
+    <Card style={{ marginBottom: 16 }}>
+      <Card.Title
+        title={<Skeleton width={120} height={20} />}
+        left={(props) => (
+          <Skeleton
+            width={40}
+            height={40}
+            borderRadius={20}
+          />
+        )}
+      />
+      <Card.Content>
+        <Skeleton width={200} height={16} style={{ marginTop: 4 }} />
+      </Card.Content>
+    </Card>
+  );
+};
+
+export default GroupCardSkeleton;
diff --git a/mobile/components/ui/Skeleton.js b/mobile/components/ui/Skeleton.js
new file mode 100644
index 0000000..01f6ae2
--- /dev/null
+++ b/mobile/components/ui/Skeleton.js
@@ -0,0 +1,44 @@
+import React, { useEffect, useRef } from 'react';
+import { Animated } 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 pulse = Animated.loop(
+      Animated.sequence([
+        Animated.timing(opacity, {
+          toValue: 0.7,
+          duration: 800,
+          useNativeDriver: true,
+        }),
+        Animated.timing(opacity, {
+          toValue: 0.3,
+          duration: 800,
+          useNativeDriver: true,
+        }),
+      ])
+    );
+    pulse.start();
+    return () => pulse.stop();
+  }, [opacity]);
+
+  return (
+    <Animated.View
+      style={[
+        {
+          width,
+          height,
+          borderRadius,
+          backgroundColor: theme.colors.surfaceVariant, // Adapts to light/dark mode
+          opacity,
+        },
+        style,
+      ]}
+    />
+  );
+};
+
+export default Skeleton;
diff --git a/mobile/screens/HomeScreen.js b/mobile/screens/HomeScreen.js
index d2f3c38..a37a4e6 100644
--- a/mobile/screens/HomeScreen.js
+++ b/mobile/screens/HomeScreen.js
@@ -1,7 +1,6 @@
 import { useContext, useEffect, useState } from "react";
 import { Alert, FlatList, RefreshControl, StyleSheet, View } from "react-native";
 import {
-  ActivityIndicator,
   Appbar,
   Avatar,
   Modal,
@@ -12,6 +11,7 @@ import {
 } from "react-native-paper";
 import HapticButton from '../components/ui/HapticButton';
 import HapticCard from '../components/ui/HapticCard';
+import GroupCardSkeleton from '../components/skeletons/GroupCardSkeleton';
 import { HapticAppbarAction } from '../components/ui/HapticAppbar';
 import * as Haptics from "expo-haptics";
 import { createGroup, getGroups, getOptimizedSettlements } from "../api/groups";
@@ -257,8 +257,14 @@ const HomeScreen = ({ navigation }) => {
       </Appbar.Header>
 
       {isLoading ? (
-        <View style={styles.loaderContainer}>
-          <ActivityIndicator size="large" />
+        <View
+          style={styles.list}
+          accessible={true}
+          accessibilityLabel="Loading groups"
+        >
+          {[1, 2, 3, 4, 5].map((key) => (
+            <GroupCardSkeleton key={key} />
+          ))}
         </View>
       ) : (
         <FlatList
@@ -289,11 +295,6 @@ const styles = StyleSheet.create({
   container: {
     flex: 1,
   },
-  loaderContainer: {
-    flex: 1,
-    justifyContent: "center",
-    alignItems: "center",
-  },
   list: {
     padding: 16,
   },