diff --git a/.Jules/changelog.md b/.Jules/changelog.md
index 11fc864..4f508a7 100644
--- a/.Jules/changelog.md
+++ b/.Jules/changelog.md
@@ -7,6 +7,13 @@
 ## [Unreleased]
 
 ### Added
+- **Mobile HomeScreen Skeleton Loading:** Replaced basic loading spinner with a skeleton loading state for groups on the mobile home screen.
+  - **Features:**
+    - Created generic animated `Skeleton` component (`mobile/components/ui/Skeleton.js`) using React Native's `Animated` library.
+    - Created composite `GroupListSkeleton` component matching the layout of `HapticCard`.
+    - Integrated smoothly into `HomeScreen` during the initial data fetch.
+  - **Technical:** Leverages theme colors for backgrounds and uses `useNativeDriver: true` for optimized pulse animations.
+
 - **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/todo.md b/.Jules/todo.md
index ebb0c7a..df9592e 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: 2026-03-29
+  - 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..2e1f4d7
--- /dev/null
+++ b/mobile/components/skeletons/GroupListSkeleton.js
@@ -0,0 +1,37 @@
+import React from 'react';
+import { StyleSheet, View } from 'react-native';
+import { Card } from 'react-native-paper';
+import Skeleton from '../ui/Skeleton';
+
+const GroupListSkeleton = () => {
+  return (
+    <View
+      style={styles.skeletonContainer}
+      accessibilityLabel="Loading groups list"
+      accessibilityRole="progressbar"
+    >
+      {Array.from({ length: 4 }).map((_, index) => (
+        <Card key={index} style={styles.card}>
+          <Card.Title
+            title={<Skeleton width={150} height={16} borderRadius={4} />}
+            left={() => <Skeleton width={40} height={40} borderRadius={20} />}
+          />
+          <Card.Content>
+            <Skeleton width="60%" height={14} borderRadius={4} />
+          </Card.Content>
+        </Card>
+      ))}
+    </View>
+  );
+};
+
+const styles = StyleSheet.create({
+  skeletonContainer: {
+    padding: 16,
+  },
+  card: {
+    marginBottom: 16,
+  },
+});
+
+export default GroupListSkeleton;
diff --git a/mobile/components/ui/Skeleton.js b/mobile/components/ui/Skeleton.js
new file mode 100644
index 0000000..6ac3379
--- /dev/null
+++ b/mobile/components/ui/Skeleton.js
@@ -0,0 +1,51 @@
+import React, { useEffect, useRef } from 'react';
+import { Animated, StyleSheet } from 'react-native';
+import { useTheme } from 'react-native-paper';
+
+const Skeleton = ({ width, height, borderRadius = 4, style }) => {
+  const theme = useTheme();
+  const opacityAnim = useRef(new Animated.Value(0.3)).current;
+
+  useEffect(() => {
+    const loop = Animated.loop(
+      Animated.sequence([
+        Animated.timing(opacityAnim, {
+          toValue: 1,
+          duration: 700,
+          useNativeDriver: true,
+        }),
+        Animated.timing(opacityAnim, {
+          toValue: 0.3,
+          duration: 700,
+          useNativeDriver: true,
+        }),
+      ])
+    );
+    loop.start();
+    return () => loop.stop();
+  }, [opacityAnim]);
+
+  return (
+    <Animated.View
+      style={[
+        styles.skeleton,
+        {
+          width,
+          height,
+          borderRadius,
+          backgroundColor: theme.colors.surfaceVariant || '#e0e0e0',
+          opacity: opacityAnim,
+        },
+        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..316a91a 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,
@@ -17,6 +16,7 @@ import * as Haptics from "expo-haptics";
 import { createGroup, getGroups, getOptimizedSettlements } from "../api/groups";
 import { AuthContext } from "../context/AuthContext";
 import { formatCurrency, getCurrencySymbol } from "../utils/currency";
+import GroupListSkeleton from "../components/skeletons/GroupListSkeleton";
 
 const HomeScreen = ({ navigation }) => {
   const { token, logout, user } = useContext(AuthContext);
@@ -257,9 +257,7 @@ const HomeScreen = ({ navigation }) => {
       </Appbar.Header>
 
       {isLoading ? (
-        <View style={styles.loaderContainer}>
-          <ActivityIndicator size="large" />
-        </View>
+        <GroupListSkeleton />
       ) : (
         <FlatList
           data={groups}