Fast Earnest Money Deposit (EMD) Loans with Earnest Money Xpress Close in 48 Hours
Earnest Money Xpress
Get Your EMD in 48 Hours
Exclusive to High Volume Wholesalers and Flippers.
Higher EMD showcases How Serious you to Sellers.
Keep your operating capital use our Funds.
Fast • Simple • Reliable Funding Get Proof of Funds Without Tying Up Your Cash
45 States Nationwide
Secure Your Real Estate Deal in 48 Hours or Less
Exclusive to High Volume Wholesalers and Flippers.
Higher EMD showcases How Serious
you to Sellers.
Keep your operating capital use our Funds.
Fast • Simple • Reliable Funding — Get Proof of Funds Without Tying Up Your Cash
Our Loan Products
Choose the funding solution that matches your strategy.
Best for High-Volume Wholesalers
Deposit straight to ESCROW.
Multiple deal pipeline.
No credit checks.
Boost your credibility.
Zero money out of pocket!
Our transaction coordinators will execute the documents.
Original loan & fees paid at Closing.
Fees are based on amount ,duration & simplicity of the deal .
Best for Guaranteed Closings
Deposit to ESCROW.
No credit checks.
We will transact the paperwork.
Original Loan Paid Back at closing.
Outbid your competition by increasing your EMD
Required up front to 15% of EMD (Non Refundable)
Our Loan Products
Choose the funding solution that matches your strategy.
Best for High-Volume Wholesalers
Deposit multiple deals into escrow, scale your pipeline, and keep closing at speed.
Best for Guaranteed Closings
Outbid competitors by increasing your EMD, all without tying up your own cash.
How It Works
Just 3 quick steps to secure your deal and boost your credibility with sellers.
Submit Your Deal
Fill out our simple online form with your deal details. No paperwork headache.
Fast Approval
We review and approve your request within hours no credit checks required.
Funds Deposited to Escrow
We wire the funds directly to escrow so you can close confidently.
Why Wholesalers Fix & Flippers Trust Us
We help you stay liquid, credible, and competitive without locking up your capital.
Direct to Escrow
Funds go straight to escrow, never sitting idle.
No Credit Checks
Your deals are approved on the strength of the transaction
Zero Out-of-Pocket
Keep your working capital free, we handle the EMD.
Boost Your Credibility
Show sellers you’re serious with higher money deposits.
Transaction Support
Our coordinators prepare and execute your documents.
“We Pride Ourselves in being a Relationship first lender.”
Fernando Mejia
Managing Partner
Deal Flow
From Application to Escrow — Here’s How It Works
Frequently Asked Questions
What are the fees?
All fees are structured either at closing or up from depending on the plan you select and each deal is based on a case by case basis. As a relationship lender , we will evaluate risk, duration,and simplicity of the EMD Loan.
I am new wholesaler or new to real estate , do I qualify ?
Absolutely no experience necessary .We will provide the docs and transaction support . EMD loan is great way to start your lendingtrack record , however we strongly recommend you join our member list to expedite you personal data information (link)
What is the standard EMD LOAN ?
15 to 30 days unless pre negotiated in our agreement we will work with borrowers on a case by case basis .
Do I need credit or collateral?
No, the loan is secured by escrow and it’s lending documents.
What is Earnest Money ?
Earnest money is a small deposit a buyer pays to show they’re serious about purchasing a property. It’s applied to the down payment or closing costs if the deal goes through. Typically larger deposits trump other competition on the same deal .
When is Earnest Money Due ?
Earnest money is usually due shortly after the purchase agreement is signed—often within 1–3 days.
Where Does Earnest Go at Closing ?
At closing, earnest money is applied toward the purchase, buyer’s down payment or closing costs
Where do Earnest Money go after closing ?
After closing, earnest money is credited to the buyer—it becomes part of the down payment or covers closing costs.
How Earnest Money works ?
Earnest money is a good-faith deposit the buyer makes when signing a purchase contract. It’s held in escrow and applied to the down payment or closing costs at closing. If the deal falls through for valid reasons (like financing or inspection contingencies), it’s usually refunded.
Why earnest Money is important?
Earnest money is important because it shows the buyer’s commitment, gives the seller confidence the deal is serious, and protects both parties by holding funds in escrow until closing.
Can earnest money be refunded ?
Yes, earnest money can be refunded if the buyer cancels within the agreed contingencies, like inspection or financing. If the buyer backs out without a valid reason, the seller may keep it.
Ready to Close More Deals?
Apply now and get proof of funds in as little as 48 hours.
Let’s Fund Your Next Deal
Submit your details and we’ll get back to you quickly.
Note: All earnest money deposit are approved on a case-by-case basis. Docs required. EMD + fees paid at closing.
