EMD Funding in Jacksonville, FL | Swift Deal Funding
How EMD funding works in Jacksonville, FL
EMD funding covers your earnest money deposit — typically $5,000 to $25,000 — by wiring it directly to the Jacksonville title company or closing attorney holding escrow, usually within 24 hours of a complete file. The deposit must be refundable under your contract’s inspection or due-diligence terms. You fund the deposit only, not the purchase.
Jacksonville’s affordable median near $300,000 and high deal volume make speed the priority — a credible deposit posted quickly helps you beat out-of-state competition without tying up working capital.
Pricing
Two 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) |
Example: a $10,000 Jacksonville EMD under Option B costs $1,000 total, paid once, with nothing at closing.
What you’ll need
- Fully executed purchase contract with refundable EMD language
- Jacksonville title company / closing attorney contact
- Written confirmation from title that the EMD is refundable per contract terms
- Borrower ID
No credit, income, or tax checks. Jacksonville note: deposits here are often smaller than in South Florida, so a single funded EMD can stretch across several deals as you build volume.
A typical Jacksonville EMD scenario
A wholesaler ties up a 3/1 on the Westside but the seller wants an $8,000 deposit within a day to take the next-best offer off the table. The investor would rather keep that cash working across other contracts. EMD funding wires $8,000 to the title company the next morning. Under Option B the cost is $1,000, paid once. The contract holds, the inspection period keeps the deposit refundable, and the wholesaler markets the assignment with capital intact.
Apply
Submit your contract and title company contact online — usually under 10 minutes. Same-day wire is possible for complete files before 11 AM Eastern. We coordinate directly with your title company.
Frequently Asked Questions
How fast can EMD reach a Jacksonville title company? +
Usually within 24 hours of a complete file and written confirmation from title that the deposit is refundable — same-day for files in before 11 AM Eastern. Jacksonville's affordable price points draw heavy out-of-state investor competition, so getting funded earnest money to the closing agent quickly often locks the deal. We wire straight to your title company, not to you.
How big a deposit do I need on an affordable Jacksonville deal? +
Less than in South Florida. With a median near $300,000, sellers here often expect deposits in the $2,500-$10,000 range, though some want more on cleaner deals. EMD funding covers $5,000 to $25,000, which comfortably spans typical Jacksonville earnest money. You fund only the deposit, not the purchase, and it sits in escrow at your title company.
Why do Jacksonville wholesalers use EMD funding? +
To lock up deals fast against out-of-state buyers without draining capital. In a high-volume, lower-priced market, deal flow is everything — EMD funding lets you tie up several properties' deposits across Springfield, the Westside and Arlington while keeping your own cash free for marketing and the next contract. You only fund the deposit.
Apply for EMD Funding in Jacksonville, FL
Submit your application online — same-day decisions for complete files before 2 PM Eastern.