Surf Local’s Florida beta is now open — a national platform, launching one state at a time. Get early access →
National US platform · Florida beta now open

The front door to
everything home.

Surf Local is the operating system for the American homeowner. Buy, sell, finance, and maintain your home in one place — guided by an AI that actually knows your home.

Get the appSee how it works
Search any city, neighborhood, or address…Search

Surf Local search is fully functional on the web. Search and swipe thousands of listings, customize your map search, and let Cynthia guide you — right in your browser, no app required. Open search →

What is Surf Local?

Surf Local is a national US proptech platform — the operating system for the American homeowner. It unifies buying, selling, financing, and maintaining a home in one app, guided by Cynthia AI and anchored by Home Vault, a living record of everything about your home. Surf Local is launching in Florida and building nationwide.

Search · Buy · Sell · Own

The whole home journey, behind one front door.

Most apps do one slice. Surf Local is the front door to all of it — from the first home you swipe to the day you sell and everything you own in between.

Search & buy

Search and swipe thousands of listings, filter by vibe, and go from a home you love to an offer — with financing built in.

Explore search →

Sell

List when it’s time, positioned by your Home Vault and supported by a Surf Local agent.

See how selling works →

Own & maintain

Home Vault tracks value, equity, and condition — and Everything Home brings the pros to you.

Explore Home Vault →
How it works

One home. One place. Three steps.

STEP 01

Start your Home Vault

In minutes, Surf Local builds a private profile of your home — value, equity, condition, and what’s sold nearby.

STEP 02

Ask Cynthia

Surf Local’s AI guides your next move — refinancing, planning a project, or getting ready to sell.

STEP 03

Act in one place

Get financing through our lending partners, connect with an agent, or (soon) invite local pros to quote — without leaving the app.

What’s inside

Everything home, in four parts.

Home Vault

Your living record of everything about your home — value, equity, condition, and nearby sales.

Cynthia AI

An AI guide for homeowners and an AI coach for agents, built into every screen.

Embedded Financing

An embedded mortgage experience — pre-quals, scenarios, and financing through trusted lending partners.

Everything HomeComing soon

Ask for any home project; vetted local pros come to you, and you choose who to talk to.

Built for the age of AI agents.

Surf Local is MCP-enabled. AI assistants can securely connect to Surf Local and act on a homeowner’s behalf — pull property intelligence, start a pre-qual, or request quotes — through the Model Context Protocol. Every AI action is governed by the Crittora Agent Authority Broker with cryptographically verified, time-bound permissions. Surf Local is the host governance layer other AI agents route through, not a tenant on someone else’s platform.

MCP-enabledCrittora-governedCryptographically verified, time-bound permissions
Why now

Your home is your biggest asset. It’s time it had an operating system.

$34T
US homeowner equity — the largest store of household wealth in America
$657B
annual US home-services market — 665 million projects a year
143M
US housing units, including 93.5 million single-family homes
92%
of leading real estate firms are already running AI

Sources: Goldman Sachs Research (home equity); Angi Total Addressable Market (home services, projects, housing units); industry AI-adoption reporting, 2026.

For consumers

Search, buy, sell, and own — all in one app.

Explore the consumer app →

For agents

Stay in your clients’ home journey — not just at the closing table.

See Surf Local for Agents →

For partners

Embed where the American homeowner already lives.

Explore a partnership →
FAQ

Questions about the homeowner OS.

Surf Local is a national US proptech platform — the operating system for the American homeowner. It unifies buying, selling, financing, and maintaining a home in one app, with Home Vault for property intelligence, Cynthia AI for guidance, and embedded financing through trusted lending partners.
Surf Local is a national US platform built to serve all 50 states. The beta is launching first in Florida, with nationwide expansion to follow.
Home Vault is a living record of everything about your home — its estimated value, equity, condition, nearby sales, projects, and documents — that keeps working for you long after you move in.
Surf Local’s embedded mortgage experience connects homeowners with trusted lending partners. Homeowners can go from a financing question to a pre-qual without leaving the app.
Yes. Surf Local supports the Model Context Protocol (MCP), so AI assistants can securely connect and act on a homeowner’s behalf. Every action is governed by the Crittora Agent Authority Broker with cryptographically verified, time-bound permissions.
Everything Home is Surf Local’s coming-soon home-services marketplace. A homeowner asks for a project and vetted local pros come to them with private quotes; the homeowner compares and chooses who to talk to.

See all FAQs →

Start your Home Vault in minutes.

Available on iPhone and Android.

Download on theApp StoreGet it onGoogle Play

Real estate agent? Get Surf Local for Agents →

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The front door to everything home is open.

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