EMD Funding in Arizona | Swift Deal Funding
EMD Funding in Arizona
EMD funding fronts the earnest money so you can tie up an Arizona property before your own cash is committed and your diligence is done. We route the deposit to the escrow agent holding it, usually within 24 hours of a complete file. On Arizona’s higher-priced inventory those deposits typically land between $5,000 and $25,000.
The reason it matters so much in Arizona is competition. Phoenix is one of the hottest flip markets anywhere, and with Tucson and Mesa adding volume across 7.4 million residents, wholesalers are forever up against cash investors. Funding the deposit lets you write a strong, fast offer and keep several contracts alive at once instead of letting your own bankroll dictate how many deals you can chase.
We’re the lender, not a broker — no credit check, no income, no tax returns. The deposit just has to be refundable under the contract.
How EMD Funding works in Arizona
Arizona handles closings through licensed escrow agents inside title/escrow companies, regulated by the state, rather than closing attorneys. Your AAR Residential Resale Purchase Contract names that escrow company, and we wire the deposit directly into its regulated escrow account once the agent confirms in writing that it’s refundable.
The record-first disbursement rule that controls Arizona closings applies to seller proceeds, not to a deposit — earnest money is in escrow well before closing day and simply credits to the buyer at settlement, so recording timing is a non-issue for the EMD itself. What makes a deposit fundable is the inspection contingency baked into the AAR contract, which keeps it returnable through diligence. Line up the escrow agent’s wiring instructions and refundability confirmation before you submit.
Pricing
Two options on every EMD:
| Option | Upfront | At Close | Best For |
|---|---|---|---|
| A | 5% (min $500) | 20% | High close-through rates |
| B | 10% (min $1,000) | 0% | Predictable per-deal cost (most popular) |
A $15,000 Arizona deposit on Option B runs $1,500, paid once.
What you’ll need
- Executed purchase contract with refundable EMD language
- The Arizona escrow agent’s contact details
- Written confirmation from that agent that the deposit is refundable
- Borrower ID
No credit check, no income verification, no tax returns.
A typical Arizona EMD scenario
A wholesaler turns up an underpriced flip in Phoenix’s Maryvale district with two cash offers already circling. The seller wants a serious $18,000 deposit, held by the AAR-named escrow agent and refundable through a 10-day inspection. We verify refundability with the agent and wire the $18,000 within 24 hours, putting the offer on par with the cash bids. On Option B the wholesaler pays $1,800 once and leaves their own capital free for two more Tucson contracts.
Apply
Upload the contract and the escrow agent’s contact — about ten minutes. Files in before 11 AM Eastern can wire same day. We deal with your Arizona escrow agent directly.
Frequently Asked Questions
Where does my earnest money sit in an Arizona deal? +
With a licensed Arizona escrow agent. The AAR Residential Resale Purchase Contract names the escrow company, and the deposit goes into that agent's regulated escrow account — not an attorney's trust, since Arizona doesn't use closing attorneys. We send the refundable deposit straight there, usually inside 24 hours of getting a complete file and the agent's written confirmation it's refundable. From there it just credits to the buyer at closing; the record-first disbursement rule that governs proceeds doesn't touch a deposit already sitting in escrow.
Will EMD funding actually help me win Phoenix bids? +
That's exactly its job here. Phoenix sellers field stacks of all-cash offers, and a fast, sizeable earnest deposit signals you're as serious as the cash crowd. We wire it within 24 hours so your AAR offer holds its own — without you parking your own money. Deposits in Arizona commonly run $5,000–$25,000, so each one we cover is real working capital you keep free for the next Maricopa County contract.
Does the EMD have to be refundable to fund it? +
Yes — we only advance earnest money you can get back under the contract's contingencies, and we need the escrow agent's written word on that. The AAR purchase contract carries an inspection period that keeps the deposit returnable while you do diligence. Waive that contingency on a Tucson or Mesa deal and the deposit becomes non-refundable, which we can't fund. Keep the inspection window intact and you're fine.
Apply for EMD Funding in Arizona
Submit your application online — same-day decisions for complete files before 2 PM Eastern.