EMD Funding in New Hampshire | Swift Deal Funding
How EMD funding works in New Hampshire
EMD funding fronts the earnest money so you can lock a New Hampshire property under contract without committing your own cash. Swift Deal Funding sends the deposit — usually $5,000–$25,000 — to the closing attorney’s trust account, typically within 24 hours of a complete file. The deposit must stay refundable under your contract’s contingencies, which is what protects you and us.
This matters in New Hampshire because southern markets are competitive and tight on inventory. Manchester, Nashua, Salem, and Derry sit inside the Boston commuter belt, where well-priced listings move quickly and often draw multiple offers. The state’s roughly 1.4 million residents and limited supply mean speed wins, so being able to commit funded earnest money immediately keeps you in contention while you finish due diligence or line up an end buyer.
How an EMD deal closes in New Hampshire
New Hampshire is an attorney-closing state, so the deposit usually goes to the closing attorney’s trust account rather than a standalone title company. It is also a wet-funding state, which keeps disbursement clean as the deal advances. Because New Hampshire has no general sales tax and no broad income tax, nothing extra is layered onto the deposit — though the state’s Real Estate Transfer Tax will appear on the settlement statement at closing.
New Hampshire has no wholesaler-licensing law, so disclose your equitable interest as standard practice. Confirm the refundable EMD language and escrow handling with your closing attorney before you fund.
Pricing
| Option | Upfront | At close | Best for |
|---|---|---|---|
| A | 5% of EMD (min $500) | 20% of EMD | High close-through rates |
| B | 10% of EMD (min $1,000) | 0% | Predictable cost (popular) |
What you’ll need
- Executed purchase contract with refundable EMD language
- New Hampshire closing attorney or escrow contact
- Written confirmation that the EMD is refundable per the contract
- Your ID
No credit check, no income verification, no tax returns.
A typical New Hampshire EMD scenario
A wholesaler finds an under-priced Nashua duplex and needs to bind it fast with a $10,000 earnest deposit, but the cash is tied up in another deal. EMD funding wires $10,000 to the closing attorney’s trust account within a day. Under Option B the cost is a flat $1,000. The investor locks the property, runs inspections, assigns to an end buyer, and never touched working capital.
Apply
Submit your contract and closing-attorney contact online — usually under ten minutes. Same-day wire is possible for complete files before 11 AM Eastern.
Frequently Asked Questions
Where does my New Hampshire earnest money get sent? +
Because New Hampshire is an attorney-closing state, we wire the earnest money to the closing attorney's trust account (or the listing broker's escrow, depending on the contract) rather than to a standalone title company — generally within 24 hours of a complete application and written confirmation the deposit is refundable. We coordinate directly with your attorney's office in Manchester, Nashua, Concord, or wherever the property sits. Same-day delivery is possible for complete files before 11 AM Eastern.
What keeps my New Hampshire earnest money refundable? +
EMD funding only works when your purchase contract keeps the deposit refundable — usually through an inspection, financing, or due-diligence contingency. We require written confirmation from the closing attorney or escrow holder that the EMD is refundable per the contract before funding. If the deal dies inside those contingencies, the deposit comes back. Waiving a contingency puts the earnest money at risk like any deposit, so review your contract terms carefully.
What does EMD funding cost in New Hampshire? +
Two options. Option A is 5% of the EMD upfront (minimum $500) plus 20% at closing — better for high close-through volume. Option B is 10% upfront (minimum $1,000) with nothing at close — the popular pick for predictable cost. On a $10,000 New Hampshire earnest deposit, Option B costs $1,000 flat. New Hampshire has no sales or broad income tax, so nothing extra is layered on the deposit. We never check credit, income, or tax returns.
Apply for EMD Funding in New Hampshire
Submit your application online — same-day decisions for complete files before 2 PM Eastern.