EMD Funding in Denver, CO | Swift Deal Funding
How EMD Funding Works in Denver, CO
EMD funding covers the earnest money deposit on your Denver contract — typically $5,000 to $25,000 in this market — wired directly to your Colorado title company, usually within 24 hours of a complete file. The deposit must be refundable under the inspection or objection terms of the contract. You lock up the property without committing your own cash before you’ve found an end buyer or finished your numbers.
Denver is a major Mountain West market with a median around $630,000 and a cooling Front Range trend. Inventory turns over on value-add homes in Montbello, Globeville, Elyria-Swansea, and Westwood, where flippers and landlords stay active. A credible deposit matters in a competitive market, so keeping your own capital free across several live contracts is what lets a wholesaler scale here.
How it closes in Denver (wet-funding title-company state)
Colorado closings run through a title company, which holds the earnest money. We wire the deposit straight to your Denver title company once we have written confirmation it’s refundable per the contract’s objection deadline. Colorado is a wet-funding state — sale proceeds disburse at the table, the opposite of dry-funding Washington and Oregon — but that affects the final close, not the deposit. Cancel within the objection window and the deposit returns to the title company and back to us, documented and clean.
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 Denver EMD under Option B costs $1,500 total — paid once, nothing at closing.
What you’ll need
- Executed purchase contract with refundable EMD language
- Denver title company contact information
- Written confirmation from title that the EMD is refundable per the contract
- Your ID
No credit check, income verification, or tax returns; no Colorado wholesaler license required — disclose your equitable interest.
A typical Denver EMD scenario
You go under contract on a brick ranch in Montbello and the seller wants a $15,000 earnest money deposit. Rather than wire your own cash, you submit the contract and your title company’s details. Within 24 hours we wire $15,000 to your Denver title company. Your objection deadline protects the deposit while you assign the contract to a flipper. Under Option B your cost is a flat $1,500, and your capital stayed free for the next Westwood deal.
Apply
Submit your contract and title company contact online — under 10 minutes. Same-day wire is possible for complete files in before 11 AM Eastern. We coordinate directly with your Denver title company.
Frequently Asked Questions
Where does earnest money go on a Denver deal? +
Colorado closings run through title companies, so your earnest money is held by the title company handling the deal, not an attorney. We wire the deposit — usually $5,000 to $25,000 in this market — directly to your Denver title company within 24 hours of a complete file and written confirmation the EMD is refundable. The deposit holds your contract while you finish due diligence or line up an end buyer in Montbello, Westwood, or Elyria-Swansea. Colorado's standard contract gives you a clear objection deadline that protects a refundable deposit.
Does Colorado wet-funding affect EMD funding in Denver? +
Not for the deposit itself. Wet-funding governs when sale proceeds disburse at closing — in Colorado, at the table, unlike dry-funding Washington and Oregon — but earnest money is simply held against your contract during the inspection period. What matters for EMD funding is that the deposit is refundable under your contract's objection deadline and the title company confirms it in writing. If you cancel within that window, the deposit returns from the Denver title company back to us, with none of your own capital exposed.
Why do Denver wholesalers use EMD funding? +
Denver's median is around $630,000 and a strong earnest deposit helps your contract compete, even as the Front Range market cools. EMD funding lets you put up a credible deposit on each deal without spending your own funds, and because a Colorado title company holds the money, it's clean and documented. You pay a fixed per-deal cost and stay liquid to chase the next Montbello or Globeville opportunity instead of locking capital into deposits across multiple live contracts.
Apply for EMD Funding in Denver, CO
Submit your application online — same-day decisions for complete files before 2 PM Eastern.