Echo Funding in Montana | Swift Deal Funding
Echo funding in Montana
Echo funding supplies the cash for an end buyer’s down payment at the closing table, then gets repaid out of the seller-side proceeds — on a wholesale deal, that means your assignment fee. It is useful in Montana when you have a buyer who is ready but light on down-payment cash, and your spread is healthy enough to absorb the funding. Swift Deal Funding is a direct lender charging a flat 2.5%, with no upfront cost.
Montana’s market is small but climbing. Bozeman’s price growth keeps pushing investor attention toward Billings, Missoula, Great Falls, and the Flathead Valley, where assignment fees are big enough to make Echo pencil. Funded down payments here typically run $10,000–$40,000.
How Echo closes in Montana
Montana is a wet-funding state, so the title company disburses once documents are signed and funds are in escrow — it does not wait for recording. That matters for Echo because both the funded down payment going in and our repayment coming back out happen inside the same disbursement window, with no recorder delay.
Closings run through title/escrow companies, not mandatory attorneys, so a single escrow officer manages the flow. Montana has no wholesaler-licensing statute, so disclose your equitable interest as a matter of course. Confirm with your title officer that the closing statement is set up to route our repayment from seller proceeds before you schedule — and verify any detail with a Montana attorney if your structure is unusual.
Pricing
Flat 2.5% of the funded amount. No application fee, no origination fee, nothing upfront — collected on the closing statement.
What you’ll need
- Executed purchase contract
- Executed assignment contract showing your assignment fee
- An assignment fee at least equal to the funded down payment plus 2.5%
- Title company ready to disburse seller proceeds with Echo repayment built in
Montana note: in thinner markets like Helena or Kalispell, confirm your title office is comfortable structuring the repayment line. No credit, no income, no tax returns.
A typical Montana Echo scenario
A wholesaler has a Missoula property under contract and an end buyer purchasing at $250,000 who is $20,000 short on the down payment. The assignment fee is $30,000. Echo funds the $20,000; at closing the title company disburses, repays us $20,000 plus the 2.5% fee ($500) out of the assignment fee, and the wholesaler nets about $9,500. The buyer closes without scrambling for cash, and the deal holds together.
Apply
Submit your purchase and assignment contracts online; we confirm the fee covers the funded amount before approval. Standard turnaround is about 48 hours.
Frequently Asked Questions
How does Echo funding get repaid on a Montana wholesale deal? +
Echo funds the end buyer's down payment at the closing table, and we are repaid directly out of the seller-side proceeds — in a wholesale deal, that is your assignment fee. Because Montana is a wet-funding state, the title company can disburse and route our repayment as soon as documents are signed and funds are escrowed, without waiting on the recorder. As long as your assignment fee is large enough to cover the funded amount plus our 2.5%, repayment happens at the same closing.
Is Echo funding allowed under Montana real estate rules? +
Yes. Montana does not have a special wholesaler-licensing law, so the normal disclosure practice applies — disclose your equitable interest and your intent to assign. Echo simply supplies the buyer's down payment through your Montana title or escrow company; it does not change who holds title or how the assignment is documented. Keep the assignment contract clean and confirm the disbursement order with your title officer or a Montana attorney.
What size assignment fee do I need for Echo in Montana? +
Your assignment fee has to be at least the funded down payment plus our flat 2.5% fee, since repayment comes out of those seller-side proceeds at closing. On a typical Montana deal — say a $250,000 sale with a $20,000 down payment funded — you would need an assignment fee of at least roughly $20,500. Many Bozeman and Billings deals clear that easily. We verify the math before approving so nobody is short at the table.
Apply for Echo Funding in Montana
Submit your application online — same-day decisions for complete files before 2 PM Eastern.