EMD Funding in Maryland | Swift Deal Funding
How EMD Funding Works in Maryland
EMD funding puts up the earnest money deposit so you can compete in Maryland’s fast market without committing your own cash. We wire the deposit — typically $5,000–$25,000 — directly to the title company or settlement attorney named in your contract, usually within 24 hours of a complete application and confirmation. The deposit stays refundable to you under the contract’s inspection or due-diligence terms.
Maryland is a high-activity wholesale market where you’re often bidding against cash buyers. Baltimore’s deep rehab inventory drives volume, and the DC-suburb corridor — Columbia, Germantown, Silver Spring — adds higher-priced competition. A strong, fast earnest money deposit can be the difference in winning a contract, and EMD funding lets you put one up across several deals at once without draining working capital.
Pricing for EMD Funding in Maryland
Two flat-fee options on every deposit:
| 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 $10,000 Baltimore EMD under Option B costs $1,000 total — paid once, nothing at settlement.
Document Requirements
- Executed purchase contract with refundable EMD language
- Maryland title company / settlement attorney contact
- Written confirmation from the settlement office that the EMD is refundable per contract
- Your ID
No credit check, no income verification, no tax returns. Local note: Maryland’s competitive market may push you toward larger deposits — Option B’s flat cost keeps a bigger EMD predictable, with no fee at settlement.
Why Maryland Investors Use EMD Funding
In a market where cash buyers move fast, the wholesaler who can post a credible deposit immediately wins the contract. EMD funding lets you lock a Baltimore rowhouse or a Columbia flip the moment terms are agreed, without parking your own cash in escrow while you finish due diligence or line up an end buyer. That keeps capital free to keep bidding instead of frozen across deposits.
Apply for EMD Funding in Maryland
Submit your contract and Maryland settlement office contact online — about ten minutes. Complete files before 11 AM Eastern can wire same-day. We coordinate directly with your title company or settlement attorney.
Frequently Asked Questions
Where does my Maryland earnest money get sent? +
To the title company or settlement attorney named in your contract — never to you. Maryland settlements run through title companies, often with an attorney involved, so we wire the deposit to that settlement office, usually within 24 hours of a complete file and confirmation. You provide the settlement office contact and the executed contract; we handle the wire and confirm the deposit landed in escrow.
How big are earnest money deposits in Maryland? +
Maryland's competitive, higher-priced market pushes deposits up — we commonly fund EMDs from $5,000 to $25,000, and stronger deposits are often needed to win against cash buyers in Baltimore, Columbia and the DC suburbs. We fund whatever the contract specifies within that band, as long as the EMD is refundable to you under the inspection or due-diligence terms.
Does the EMD have to be refundable in Maryland? +
Yes. We fund only earnest money that's refundable to you under the contract's contingencies, and we ask the Maryland settlement office to confirm that in writing before we release. Because Maryland is a wet-funding state, the deposit genuinely sits in the settlement office's escrow, which keeps the refundability mechanics clean. If your contract makes the EMD non-refundable or hard, we can't fund it.
Apply for EMD Funding in Maryland
Submit your application online — same-day decisions for complete files before 2 PM Eastern.