FAQ
Questions about the homeowner OS.
What Surf Local is, where it’s available, how mortgages work, MCP, the marketplace, and more.
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.
Download the Surf Local app, then search for homes or start your Home Vault in minutes — onboarding is quick and low-friction.
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.
Cynthia is Surf Local’s built-in AI. For homeowners she’s a guidance layer that answers home questions in plain language; for agents she’s a coaching layer built into their workflow.
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.
Surf Local for Agents provides an AI coach (Cynthia), a live view of an agent’s ZIP-code sphere, goal calculators that turn income targets into a monthly plan, and a lasting place in each client’s Home Vault between transactions.
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.
Listing sites help you search homes and CRMs help agents manage contacts. Surf Local is an operating system for the whole homeowner journey — owning, financing, maintaining, and eventually selling — with AI guidance and embedded services in one place.
Anyone buying, selling, or maintaining a home in the US, the real estate agents who serve them, and the lenders and enterprise partners who embed inside the platform.