EMD Funding in Arlington, TX | Swift Deal Funding
How EMD funding works in Arlington, TX
EMD funding covers the earnest money deposit so you can lock up an Arlington property without pulling cash from your own account. We send the deposit — usually $5,000 to $25,000 — directly to the title company named in your contract, typically within 24 hours of a complete application. The deposit stays refundable per your contract’s TREC option period or due-diligence terms.
Arlington sits at the center of the DFW mid-cities, drawing investors from both Dallas and Fort Worth, so well-priced deals move quickly and a credible earnest money deposit helps you secure the contract. With a median sale price around $340,000, sellers in east Arlington and near downtown typically expect a solid deposit. Funded EMD lets you lock up the property fast and finish due diligence without committing your own cash until you are sure of the deal.
How EMD funding closes in Arlington
Because Texas closings happen at title companies and the TREC contract pairs an option period with title-held earnest money, funded EMD slots in cleanly:
- Submit the executed contract, your Arlington title company’s contact, and your ID.
- The title company confirms to us that the deposit is refundable under your contract terms.
- We wire the earnest money over, typically within 24 hours.
- On a closed deal the deposit is credited at closing; on a termination inside the option window it is refunded.
Pricing
Two options on every EMD, the same in Arlington as everywhere:
| 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 typical $15,000 Arlington EMD under Option B costs $1,500 total, paid once, with nothing due at closing.
What you’ll need
- Fully executed purchase contract with refundable EMD language
- Arlington title company contact information
- Written confirmation from title that the EMD is refundable per contract terms
- Your photo ID
No credit check, no income verification, no tax returns. A local note: in a competitive mid-cities market, a funded deposit lets you lock up the contract fast without draining the cash you need for the next deal.
A typical Arlington EMD scenario
A wholesaler ties up an east Arlington ranch in a competitive mid-cities market and the seller wants $15,000 earnest money to take it off the table, but the wholesaler wants to underwrite fully before committing personal cash. We confirm the deposit is refundable through the TREC option period and wire $15,000 to the title company within 24 hours. Under Option B, the wholesaler pays $1,500 once. The contract is locked, the wholesaler runs due diligence and markets it, and either assigns before the option expires or terminates with the deposit refunded.
Apply
Submit your contract and title company contact online — usually under 10 minutes. Same-day wires are available for complete files in before 11 AM Eastern. We coordinate directly with your title company.
Frequently Asked Questions
How does EMD funding work with a TREC option period on an Arlington contract? +
The TREC residential contract gives you a negotiated option period to terminate while keeping earnest money refundable, and funded EMD fits right in. We wire your earnest money — $5,000 to $25,000 — to the Arlington title company within 24 hours. As long as your contract keeps the deposit refundable through the option or due-diligence window, you are protected if you terminate. We do not give legal advice, so confirm your specific option and EMD language with your title company before signing the contract.
Does Arlington's competitive mid-cities market make funded EMD worth it? +
Often it does. Sitting between Dallas and Fort Worth, Arlington draws investors from across the metroplex, so good deals move quickly and a serious earnest money deposit helps you win the contract. Funded EMD lets you put up a credible deposit on an east Arlington property within 24 hours without tying up personal cash, then underwrite inside the option period. If it does not pencil, you terminate and the deposit is refunded. Confirm your refundable terms with your title company before you sign.
What does funded EMD cost on an Arlington deal? +
Two options. Under Option A you pay 5% of the deposit upfront (minimum $500) plus 20% at closing, which suits high close-through rates. Under Option B — the most popular — you pay a flat 10% once (minimum $1,000) with nothing at closing, so a $15,000 deposit costs $1,500 total. With Arlington medians around $340,000, sellers usually expect earnest money in the middle of our $5,000 to $25,000 range. Confirm the deposit amount and refundable terms with your title company.
Apply for EMD Funding in Arlington, TX
Submit your application online — same-day decisions for complete files before 2 PM Eastern.