EMD Funding in Oregon | Swift Deal Funding
EMD Funding in Oregon
EMD funding places the earnest money on a deal so an Oregon wholesaler can lock up a property without committing personal cash. We wire the deposit — typically $5,000 to $25,000 — directly to the escrow company handling the transaction, usually within 24 hours of a complete application and escrow confirmation. The deposit must be refundable under the contract’s inspection or due-diligence terms, so your exposure is the funding fee rather than the money itself.
In a Portland-area market where competition for off-market inventory is real, EMD funding is how investors put up a credible deposit without tying up working capital between deals. Oregon’s clean cost environment helps too: with no state sales tax, your settlement math at the eventual closing is straightforward.
How EMD funding closes in Oregon
Oregon is a title/escrow state, so the earnest money is held by an escrow company in trust — not a mandated closing attorney. On approval we wire the deposit straight into that escrow account, never to you, and it’s held under the contract terms. If you proceed to closing, the EMD credits toward the purchase. If you cancel inside your contingency window, the escrow company returns our funds and you owe only the funding fee.
Oregon’s dry-funding status governs the final closing’s recording-and-disbursement sequence, not the deposit stage — so EMD funding here is simply a matter of getting the refundable money into escrow fast. We need a real escrow contact at application: the Portland-area or other Oregon escrow company, the officer, and written confirmation the deposit is refundable per contract.
Pricing
Two options on every EMD, your choice:
| 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 $20,000 EMD under Option B costs $2,000 total, paid once, nothing at closing.
What you’ll need
- Executed purchase contract with refundable EMD language
- Oregon escrow company / officer contact
- Written confirmation from escrow that the EMD is refundable per the contract
- Government ID
No credit check, no income verification, no tax returns. Direct lender.
A typical Oregon EMD scenario
A Portland wholesaler finds a motivated seller and needs an $12,000 earnest deposit to secure the contract while preserving cash for a second deal in the pipeline. They submit a contract tying the EMD to a 10-day inspection period before 11 AM Eastern. We wire $12,000 to their Oregon escrow company that day. They market and assign the deal; at the dry-state closing the EMD credits through. Under Option B they paid a single $1,200 fee and kept their reserves intact.
Apply
Submit your contract and escrow contact online — under ten minutes. Same-day wire is possible for complete files in before 11 AM Eastern.
Frequently Asked Questions
Who holds the earnest money on an Oregon deal? +
Oregon closes through title and escrow companies, so the escrow company holds your earnest money in trust — there's no mandated closing attorney. We wire the deposit directly into that Portland-area or other Oregon escrow account within about 24 hours of a complete file, never to you. Your contract must make the EMD refundable under the inspection or due-diligence period, and we need written confirmation from escrow that those terms are recognized.
Does Oregon's dry-funding status matter for EMD funding? +
Not much at the deposit stage. Dry funding affects the recording-versus-disbursement sequence at the final closing, not how earnest money is placed at the start. For EMD funding, what matters is simply getting the refundable deposit into the Oregon escrow account fast so you can lock the property. At closing, the EMD credits toward your purchase like any other deposit, and your escrow officer handles the dry-state timing from there.
What happens to the EMD if my Oregon deal cancels? +
If you cancel within your contract's contingency window, the escrow company returns the refundable earnest money to us and you owe only the funding fee — never the deposit. That's why we require contract language tying the EMD to your inspection or due-diligence rights and written confirmation from the escrow officer. As long as you stay inside your contingencies, the deposit is protected, and there's no sales tax to complicate the refund.
Apply for EMD Funding in Oregon
Submit your application online — same-day decisions for complete files before 2 PM Eastern.