Embed where the American homeowner already lives.
Surf Local is the operating system for the American homeowner — one place where owners buy, sell, finance, and maintain their homes. Partners meet them at the exact moment of intent, inside Home Vault, guided by Cynthia AI.
What is a Surf Local partner?
A brand embedded inside the homeowner’s operating system — reaching owners at the moment they’re financing, planning, or maintaining a home, instead of chasing them across channels. Lenders, insurers, and other category partners embed with their own enterprise-admin and loan-officer portals, wired directly into the homeowner journey — no single partner is exclusive.
A trillion-dollar category, still run on a dozen disconnected apps.
US homeowners hold roughly $34 trillion in home equity — the single largest store of household wealth in America — yet the tools to manage a home are scattered across listing sites, lender portals, spreadsheets, and one-off service apps. Surf Local consolidates that attention into one operating system, and lets a small number of category partners embed inside it.
| Number | What it is | Source |
|---|---|---|
| $34T | US homeowner equity — the wealth Surf Local helps owners understand and use | Goldman Sachs Research, 2025 |
| ~$11T | tappable home equity at record highs across ~48M mortgage holders | ICE / Cotality, 2025 |
| $657B | US home-services total addressable market — 665M projects a year | Angi TAM report |
| $842B | US home-service market in 2026, growing toward ~$989B by 2031 | Mordor Intelligence, 2026 |
| ~$520B | projected US homeowner improvement & repair spending in 2026 | Harvard JCHS, 2026 |
| $21.5B→$86B | US proptech market, 2025 → 2035 (≈15% CAGR) | Precedence Research, 2026 |
| 92% | of leading real estate firms already running AI (up from ~5% three years ago) | industry reporting, 2026 |
Intent, not interruption
Partners appear when a homeowner is actively financing, planning, or maintaining — not as an ad.
Embedded, not bolted on
Partner experiences live natively in the app, with their own enterprise-admin and loan-officer portals.
Governed by design
Every AI action routes through the Crittora Agent Authority Broker — cryptographically verified, time-bound, auditable. Surf Local hosts the governance layer.
National reach, disciplined rollout
Built for all 50 states; launching in Florida first.
See the embedded partner portal.
Category partners get their own enterprise-admin and loan-officer Command Center — embedded in the homeowner journey and governed by the Crittora Agent Authority Broker. No single partner is exclusive.
The homeowner platform AI agents can actually use.
Surf Local is MCP-enabled and Crittora-governed, so as homeowners increasingly rely on AI agents to run their lives, those agents can transact with Surf Local securely — with the platform as the trusted governance layer. Partners embedded in Surf Local inherit that same trusted, AI-ready surface.