Secure Loan Process

Funding is made to and through title companies or real estate attorneys and the transaction is insured to protect our lenders.

EMD (Earnest Money Deposit)

The EMD Funding Network provides earnest money funds to individuals or businesses seeking to purchase real estate.

The EMD Funding Network offers a convenient and secure way for buyers to access the funds they need to make an earnest money deposit, and to ensure that the earnest money process goes smoothly for all parties involved.

In most cases, the funds provided by The EMD Funding Network are paid back at the close of escrow, either through the sale of the property or through other means agreed upon by the parties involved.

Easy Loan Approvals

No credit check, No bank statements, No income statements.

It's all about the relationship

Setup a relationship with us and you’ll never have to worry about securing your short-term funding needs.

Apply Now!

Do You Have Questions?

Please go through these ‘Frequently Asked Questions’ first!

What is earnest money?

Earnest money is a deposit made by a buyer to demonstrate their serious intent to purchase a property. It is typically paid at the time a purchase agreement is signed and is held in escrow until the close of the sale, at which point it is either returned to the buyer or applied towards the purchase price of the property.

Why would someone borrow the EMD?

Opportunities come and go quickly in the real estate world. It can sometimes be challenging to have the full funding for down-payments available right when you need it. Our goal is to provide a simple and reliable source of funding for those looking to enter into a real estate transaction. This eliminates the first hurdle; securing the property.

How much can I borrow?

There is no minimum or maximum amount that can be borrowed on a short-term agreement. When necessary our network of lenders will JV (joint venture) on larger amounts that cannot be covered by just one investor. We will “wrestle gators” to find you the short-term transactional funding you need.

** If you are the buyer, we will not fund your deal unless it is protected by an inspection period – no exceptions. Funds must be replaced by private money, gap lending, etc., prior to the end of the inspection period or we will have to cancel the contract.

What are your rates?

We don’t charge an interest rate. The partner’s fee will vary based on the partner, the deal, the $ amount, and the length of time. How much is it worth to you with no credit check or income verification, and unlimited network resources? The table below is based on a 30-day EMD as a general guideline to consider…

This is for short-term and immediate transactional funding. You will discuss your specific needs and your fee with a Transaction Coordinator after you apply and provide details. Apply Here!

Amount	Fee
0-5k	100% of amount (minimum fee is $1500)
5,001-100k	5k + 40% of remaining amount over the 5k.
Over 100k	We will discuss over the phone.
2% Fee	Added per day for any additional days money is held in escrow.

Is a deposit required?

A deposit is required in case the transaction is cancelled after the resources have been deployed.
For EMD we have a 6% upfront deposit ($300 minimum), NON REFUNDABLE, credited toward your fee if the deal goes through. This deposit is wired or transferred via Zelle directly to us and paperwork on fees will reflect the difference between initial deposit and remaining fee amount.

How long does it take to fund?

It can take anywhere from 2-5 days. It’s best to plan on 5 days for funding based on buyer, seller, and title agent response times. It may happen sooner but just to be safe – 5 days. Here is the process:

Buyer completes the application
Terms are discussed and agreed
EMD Release Docs are sent to BUYER for signatures and returned
Upon return, signed docs are sent to Title/Attorney for agreement
Buyer pays deposit
After all parties have agreed and docs are signed the EMD is funded immediately to Title/Attorney

What happens if my deal doesn't close?

Whether the deal closes or not, the contracts require you to pay us back the EMD. You will not be charged the transaction fee if the deal does not close. The contracts will detail any extensions, late fees or penalties if they apply. Upholding your end of the agreement will help us build a mutually great relationship for funding future deals!