EMD funding wired straight to escrow

An earnest money deposit is the good faith money that holds your contract. It tells the seller you're serious, and it's what makes the contract stick.

On most residential deals it runs about 1% of the purchase price. On a $500,000 property, that's $5,000 due shortly after you go under contract.

A typical residential timeline runs about 30 days from contract to close. The first 10 to 14 days of that is your inspection period.

Inside the inspection period, if your contract is written correctly, you can walk and get the deposit back. Once you're past it, that money is usually locked in. That's the entire point of it.

$5,000 doesn't sound like much. But run it against a real pipeline.

Put 10 properties under contract in a month and that's $50,000 of your own money sitting in escrow accounts doing nothing, for 30 days or more. Every month.

That capital isn't earning. It isn't available for the next deal. It's parked.

Here's the part that matters. A $5,000 deposit that unlocks a $20,000 spread pays for itself several times over, and you never had to touch your own capital to get there.

We publish our rates. You'll know what a deal costs before you send it.

There are two numbers. You pay 5% of the funded amount up front, with a $1,500 minimum, and that covers a term of up to 30 days. When the deal closes, you pay 20% of the funded amount.

On a $10,000 deposit that's the $1,500 minimum up front and $2,000 at closing. On a $50,000 deposit it's $2,500 up front and $10,000 at closing.

The up-front fee pays our team to underwrite and process your file. We charge it because deals do get cancelled, and funding dead deals for free isn't a business that stays open long.

If your deal doesn't close, that up-front fee is the only money you're out. There's nothing else.

We ask for 48 hours of notice. We've also funded a deal in five minutes. Both of those are true.

The 48 hours is what lets us verify your contract properly. The five minutes happens when a file arrives clean and complete and somebody's closing table is about to fall apart.

We fund up to $100,000 per transaction on EMD.

The money goes to the title company or escrow agent named on your contract. It never routes through you, because that's how a deposit is supposed to work.

We funded a $150,000 earnest money deposit on a large property.

The investor didn't have that much cash sitting idle, and without the deposit there was no contract to hold. So we wired it to escrow.

They wholesaled the property and made north of six figures on the transaction. We got paid our fee at closing.

That deal doesn't happen without the deposit. That's the whole product.

Every file gets verified against the contract. Not against what you typed into the form, against the signed contract itself.

Here's exactly what we're matching, so you can have it ready before you submit.

Most rejections come down to the same handful of things.

EMD deals die. Inspections turn up problems, sellers change their minds, buyers walk.

If yours does, we have the deposit sent back. Your only cost is the up-front fee you already paid.

There is no clawback, no penalty, and no interest running in the background.

We'd rather you read that here than find it in paragraph 14 of an agreement.

We can fund earnest money for end buyers. There is one condition.

You and the seller need to sign an addendum that extends the inspection period through the close of escrow.

That keeps the deposit refundable for the life of the contract, which is what makes funding work on that side of the deal.

We'll send you the exact language when you submit.