EMD Funding in Wyoming | Swift Deal Funding
How EMD funding works in Wyoming
EMD funding puts up the earnest money so you can lock a Wyoming contract without spending your own cash. We wire the deposit — from $5,000 up to $25,000 — directly to the title company holding escrow, usually within 24 hours of a complete application. The deposit must be refundable under your contract’s inspection or due-diligence contingencies, so if a deal dies inside those windows, the money comes back to us through title.
Wyoming runs two very different markets. Cheyenne and Casper see steadier, modestly priced deal flow, while Jackson and Teton County carry resort-level prices and well-capitalized, often out-of-state buyers drawn by the state’s no-income-tax climate. In the high-value pocket especially, a funded deposit lets you put up a serious offer and compete without tying up capital — and across the state it lets you hold more contracts than your own cash would allow.
Pricing for EMD funding in Wyoming
Two 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% | One predictable cost (most popular) |
A $10,000 EMD under Option B costs $1,000, paid once, nothing at closing.
What you’ll need for EMD funding in Wyoming
- Executed purchase contract with refundable EMD language
- Wyoming title company escrow contact
- Written confirmation from title that the deposit is refundable per your contract
- Your ID
No credit, income, or tax documents.
A typical Wyoming EMD scenario
A wholesaler spots an underpriced property near Jackson where a relocating, cash-conscious buyer pool is active. The seller wants $20,000 earnest money. Instead of wiring personal funds, the wholesaler applies before 11 AM; we confirm the refundable inspection contingency with the Teton County title company and wire $20,000 the same day. Under Option B, the flat cost is $2,000. The contract is secured, the wholesaler lines up an end buyer during due diligence, and their own cash stays free for the next deal.
Apply for EMD funding in Wyoming
Submit your contract and title company contact online — under ten minutes. Same-day wire for complete files in before 11 AM Eastern. We coordinate the deposit directly with your title company.
Frequently Asked Questions
Who holds the earnest money on a Wyoming deal? +
We wire the earnest money directly to the title company holding escrow for your Wyoming contract — not to you. Wyoming closings run through title companies, so that office is the neutral holder, and we need its contact plus written confirmation the deposit is refundable per your contingencies before we fund. The wire usually arrives within 24 hours of a complete file. In a small market where reputations travel fast, keeping the deposit in a regulated title escrow from the start signals a serious buyer.
Will my Wyoming earnest money come back if the deal falls through? +
Only if your contract makes it refundable. We fund EMD on deals where the inspection or due-diligence contingencies in your Wyoming purchase agreement let you recover the deposit if you cancel inside those windows. The refundable language must be in the contract and your title company must confirm it in writing before we wire. Cancel within the contingency period and the deposit returns to us through title. Confirm your exact contingency terms with your title officer.
How much earnest money will you fund for a Wyoming contract? +
We fund $5,000 to $25,000 per deal. In Cheyenne and Casper, where deposits often run modest, a portion of that range usually covers it. In the high-value Jackson and Teton County market, larger deposits are common, and the upper end lets you put up a competitive offer against well-capitalized out-of-state buyers without draining your own cash. Same-day wires are available for complete files submitted before 11 AM Eastern.
Apply for EMD Funding in Wyoming
Submit your application online — same-day decisions for complete files before 2 PM Eastern.