EMD Funding in Phoenix, AZ | Swift Deal Funding
How EMD Funding Works in Phoenix, AZ
EMD funding covers the earnest money deposit on your Phoenix contract — typically $5,000 to $25,000 — wired directly to your Arizona escrow agent, usually within 24 hours of a complete file. The deposit must be refundable under the inspection or due-diligence terms of the contract. You lock up the property without committing your own cash before you’ve secured an end buyer or finished your numbers.
Phoenix moves fast. With a median around $460,000 and intense competition for rehab inventory in Maryvale, South Phoenix, and the Arcadia-adjacent corridors, a credible deposit is what separates an accepted offer from a passed-over one. Heat-worn roofs, aging pools, and caliche soil issues mean plenty of deals — but also plenty of competing investors, so keeping your cash free for the next contract matters.
How it closes in Phoenix (escrow state)
Arizona is an escrow state, so your earnest money is held by a state-licensed escrow agent rather than an attorney. We wire the deposit straight to that escrow officer once we have written confirmation the EMD is refundable per the AAR contract’s inspection period. If you cancel within that window, the deposit returns to escrow and back to us — clean, documented, no risk to your own funds.
Pricing
Two fixed options on every EMD:
| 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 per-deal cost (most popular) |
A typical $15,000 Phoenix EMD under Option B costs $1,500 total — paid once, nothing at closing.
What you’ll need
- Executed AAR purchase contract with refundable EMD language
- Phoenix escrow agent contact information
- Written confirmation from escrow that the EMD is refundable per the contract
- Your ID
No credit check, income verification, or tax returns; no Arizona wholesaler license required.
A typical Phoenix EMD scenario
You go under contract on a pool home in Maryvale and the seller wants a $15,000 earnest money deposit to take it seriously. Rather than wire your own cash, you submit the AAR contract and your escrow officer’s details. Within 24 hours we wire $15,000 to your Phoenix escrow agent. Your inspection period protects the deposit while you assign the contract to a flipper. Under Option B your cost is a flat $1,500, and your own capital stayed free to chase the next South Phoenix deal.
Apply
Submit your contract and escrow contact online — under 10 minutes. Same-day wire is possible for complete files in before 11 AM Eastern. We coordinate directly with your Phoenix escrow agent.
Frequently Asked Questions
Where does my EMD go on a Phoenix deal — escrow or an attorney? +
Arizona is an escrow state, so your earnest money goes to a state-licensed escrow agent, not a closing attorney. On a standard AAR purchase contract we wire the deposit — typically $5,000 to $25,000 — directly to your Phoenix escrow officer within 24 hours of a complete file and written confirmation that the EMD is refundable. The deposit sits in escrow against the contract while you finish due diligence or line up an end buyer.
Is my earnest money refundable under an Arizona AAR contract? +
It can be, and that's the requirement for EMD funding. The AAR Residential Resale contract includes an inspection period during which you can cancel and recover earnest money. We fund only when the contract carries refundable EMD language tied to that inspection or due-diligence window, and we get written confirmation from your Phoenix escrow agent. If the deal dies inside that period, the deposit returns to escrow and back to us — your own capital was never at risk.
How does EMD funding help me compete in Phoenix's flip market? +
Phoenix sellers and listing agents favor strong earnest money in a fast market. EMD funding lets you put up a credible $10K–$25K deposit on a Maryvale or South Phoenix deal without draining your working capital, so you can keep multiple contracts live at once. Because Arizona holds the deposit in escrow, the funds are documented and clean. You pay a fixed cost per deal and keep your cash free for the next opportunity.
Apply for EMD Funding in Phoenix, AZ
Submit your application online — same-day decisions for complete files before 2 PM Eastern.