EMD Funding in Chandler, AZ | Swift Deal Funding
How EMD Funding Works in Chandler, AZ
EMD funding covers the earnest money deposit on your Chandler contract — typically $5,000 to $25,000 — wired directly to your Arizona escrow agent, usually within 24 hours of a complete file. The deposit must be refundable under the inspection terms of your AAR purchase contract. You lock up the property without committing your own cash before you’ve found an end buyer or finished your numbers.
Chandler is competitive on the strength of its tech economy. Intel’s Ocotillo campus and the surrounding semiconductor corridor keep a well-paid buyer pool active, and with a median around $500,000, a credible deposit is what gets an offer taken seriously in master-planned communities. Keeping your own capital free across multiple live contracts is what lets a wholesaler keep pace here.
How it closes in Chandler (escrow state)
Arizona is an escrow state, so the earnest money is held by a state-licensed Chandler escrow agent, not an attorney. We wire the deposit straight to your escrow officer once we have written confirmation it’s refundable per the AAR contract’s inspection period. Cancel within that window and the deposit returns to escrow and back to us — documented and clean, with none of your own capital exposed. Many Chandler homes carry HOAs, so checking assessment and transfer status early is a smart precaution before the deposit goes hard.
Pricing
Two fixed options on every EMD:
| 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 Chandler EMD under Option B costs $1,500 total — paid once, nothing at closing.
What you’ll need
- Executed AAR purchase contract with refundable EMD language
- Chandler escrow agent contact information
- Written confirmation from escrow that the EMD is refundable per the contract
- Your ID
No credit check, income verification, or tax returns; no Arizona wholesaler license required.
A typical Chandler EMD scenario
You go under contract on a master-planned home in Ocotillo and the seller wants a $15,000 earnest money deposit to take the offer seriously. Rather than wire your own cash, you submit the contract and your escrow officer’s details. Within 24 hours we wire $15,000 to your Chandler escrow agent. Your inspection period protects the deposit while you assign the contract to an end buyer. Under Option B your cost is a flat $1,500, and your capital stayed free to chase the next Fulton Ranch deal.
Apply
Submit your contract and escrow contact online — under 10 minutes. Same-day wire is possible for complete files in before 11 AM Eastern. We coordinate directly with your Chandler escrow agent.
Frequently Asked Questions
Where does my earnest money go on a Chandler deal? +
Arizona is an escrow state, so your earnest money goes to a state-licensed Chandler escrow agent, not a closing attorney. We wire the deposit — typically $5,000 to $25,000 here — directly to your escrow officer within 24 hours of a complete file and written confirmation the EMD is refundable under your AAR contract's inspection period. The deposit holds your contract while you finish due diligence or line up an end buyer in Chandler's tech-driven market.
Should I check HOA status before putting up earnest money in Chandler? +
It's smart. Much of Chandler — Ocotillo, Fulton Ranch, and the master-planned south end — sits under HOAs, and transfer fees or assessment status can affect a later close. EMD funding itself only requires a refundable deposit under your AAR contract's inspection period, so your money is protected during due diligence. Checking HOA details early helps you decide whether to proceed before the deposit goes hard. If the deal dies in the inspection window, the deposit returns to escrow and back to us.
Why do Chandler wholesalers rely on EMD funding? +
Chandler's tech-driven demand keeps competition tight, so credible earnest money helps an offer stand out in Ocotillo and Fulton Ranch. EMD funding lets you put up a strong $10K–$25K deposit on each contract without draining your own capital, keeping several deals live at once. Because Arizona holds the money in escrow with a state-licensed agent, it's clean and documented, and you pay a fixed per-deal cost while staying liquid for the next opportunity.
Apply for EMD Funding in Chandler, AZ
Submit your application online — same-day decisions for complete files before 2 PM Eastern.