EMD Funding in Macon, GA | Swift Deal Funding
EMD Funding in Macon, GA
EMD funding puts up the earnest money deposit on your Macon contract so you can lock a property without committing your own cash. We send the deposit — $5,000 to $25,000 — straight to the escrow holding the deal, usually within 24 hours of a complete application. It’s our cheapest, fastest product, and it fits Macon perfectly: with a median around $160K and a deep stock of historic homes, active investors run several contracts at once across Intown Macon, Vineville, and Pleasant Hill. The deposit must be refundable under your contract’s inspection or due-diligence terms.
How EMD funding works in Macon
Georgia is an attorney-closing state, so the deposit is typically held in the closing attorney’s trust account (or a broker’s escrow), and a licensed Georgia attorney — not a title company alone — must conduct the eventual closing. Once we have your executed contract with refundable EMD language, the escrow/attorney contact, written confirmation the deposit is refundable, and your ID, we wire — typically within 24 hours, and same-day for complete files in before 11 AM Eastern. If the deal closes, you’re done; if it dies in due diligence, the refundable deposit returns to us. Confirm refund terms in writing before relying on them.
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 per-deal cost (most popular) |
A $7,500 Macon EMD under Option B costs $1,000 total — paid once, nothing at closing.
What you’ll need
- Executed purchase contract with refundable EMD language
- Macon escrow / closing attorney contact
- Written confirmation that the EMD is refundable
- Your photo ID
No credit check, income verification, or tax returns. Local note: in Georgia the closing is attorney-conducted, so coordinate your deposit and refund terms with the closing attorney’s office early — they’ll be holding and ultimately disbursing it.
A typical Macon EMD scenario
You go under contract on a $95,000 house in Pleasant Hill you plan to assign. The seller wants a $6,000 deposit to take it off market ahead of competing investors. Under Option B, we wire $6,000 to escrow within 24 hours for a $1,000 fee. Your cash stays free to chase the next affordable deal, and if inspection kills the numbers, the refundable deposit returns to us.
Apply
Submit your contract and escrow contact online — most files take under ten minutes.
Frequently Asked Questions
Where does the earnest money go on a Macon deal? +
We wire the EMD to the escrow holding your Macon contract — typically within 24 hours of a complete application and written confirmation. Georgia is an attorney-closing state, so the deposit is usually held in the closing attorney's trust account (or a broker's escrow), and that licensed Georgia attorney must ultimately conduct the closing — a title company alone cannot. The deposit must be refundable under your contract's inspection or due-diligence terms, with written confirmation it returns to us if the deal dies.
How much earnest money will you fund in Macon? +
We fund EMDs from $5,000 to $25,000, which covers virtually every Macon residential contract given how affordable the market is — from a sub-$100K Pleasant Hill rehab to a near-median $160K historic home. Two options: Option A is 5% upfront (min $500) plus 20% at close; Option B is 10% upfront (min $1,000) with nothing at close — the popular pick for predictable cost. A fast funded deposit helps you win contracts ahead of other Middle Georgia investors.
Why use EMD funding instead of my own cash in Macon? +
Macon's low price points let active wholesalers run many contracts at once, and parking your own cash across several escrows drains capital you'd rather spend on acquisitions. EMD funding lets you lock deals across Intown Macon, Vineville, and Pleasant Hill while your cash stays free. Because the deposit is refundable per your contract, your downside is limited to our fee if a deal dies during inspection. The closing still runs through a licensed Georgia attorney.
Apply for EMD Funding in Macon, GA
Submit your application online — same-day decisions for complete files before 2 PM Eastern.