EMD Funding in Louisiana | Swift Deal Funding
How EMD Funding Works in Louisiana
EMD funding puts up the earnest money deposit so you can lock a Louisiana property without committing your own cash. We wire the deposit — typically $5,000–$25,000 — directly to the notary or title attorney named in your purchase agreement, usually within 24 hours of a complete application and confirmation. The deposit stays refundable to you under the agreement’s inspection or due-diligence terms.
Louisiana runs two very different markets. New Orleans is driven by historic inventory and ongoing storm-rehab demand, where tying up the right shotgun or cottage fast matters. Baton Rouge offers steadier, more conventional flips, with Shreveport adding northern flow. EMD funding lets active Louisiana wholesalers keep several agreements open at once without freezing working capital across deposits.
Pricing for EMD Funding in Louisiana
Two flat-fee options on every deposit:
| 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 $7,500 New Orleans EMD under Option B costs $1,000 total — paid once, nothing at the act of sale.
Document Requirements
- Executed purchase agreement with refundable EMD language
- Louisiana notary / title attorney contact (the act-of-sale closing party)
- Written confirmation from that party that the EMD is refundable per the agreement
- Your ID
No credit check, no income verification, no tax returns. Local note: because Louisiana deposits are held by the act-of-sale notary or title attorney, get their written refundability confirmation — it’s the document we release against.
Why Louisiana Investors Use EMD Funding
EMD funding solves a timing problem: you want to lock up a property before a competitor does, but you don’t want your cash frozen while a New Orleans notary clears a succession-tangled title or you finish due diligence. A New Orleans wholesaler running several agreements would otherwise have $20,000-plus locked across deposits. EMD funding keeps that capital free for marketing and dispositions.
Apply for EMD Funding in Louisiana
Submit your agreement and Louisiana notary / title attorney contact online — about ten minutes. Complete files before 11 AM Eastern can wire same-day. We coordinate directly with the closing party.
Frequently Asked Questions
Who holds my earnest money in a Louisiana deal? +
The notary or title attorney handling the act of sale, named in your purchase agreement. Louisiana's civil-law closings run through a notary rather than a common-law escrow company, so we wire the deposit to that closing party — usually within 24 hours of a complete file and confirmation — and never to you. You provide the notary's or title attorney's contact and the executed agreement; we handle the wire and confirm receipt.
What earnest money amounts are normal for Louisiana deals? +
We commonly fund EMDs from $5,000 up to about $25,000. Baton Rouge's conventional flips usually sit toward the lower-to-middle of that range, while New Orleans deals on historic or storm-rehab inventory can warrant a larger deposit to strengthen an offer. We fund whatever the agreement specifies within that band, as long as the deposit is refundable to you under the inspection or due-diligence terms.
Does the EMD have to be refundable, and does civil law change that? +
Yes, it must be refundable, and the civil-law setting doesn't change that requirement. We fund only earnest money refundable to you under the agreement's contingencies, and we ask the Louisiana notary or title attorney to confirm that in writing before we release. Because Louisiana is a wet-funding state, the deposit genuinely sits with the closing party ahead of the act of sale, keeping the refundability mechanics clean.
Apply for EMD Funding in Louisiana
Submit your application online — same-day decisions for complete files before 2 PM Eastern.