How to Protect EMD in this Hypothetical

[Manuel A.]

Is it possible to protect my EMD in this scenario:

Say I put in an offer for house x and it was accepted along with my EMD. (May be wrong on how that works as I haven't done so yet, but I'm assuming this is how it goes)

Okay, now say (although I do have HML's lined up) I can't find a HML to fund the deal and the contract expires. Does this mean since the deal didn't go through because of me that my EMD will be non-refundable? I'm planning on putting in a good EMD to show I'm serious, but also if I lose it, there goes a good amount of my own money and then I'll have to build it up again which may take awhile so I would rather get this right the first time...

Please share your great experience/ideas. Thank you all!

[Jon Holdman]

When you make your offer, write it is a financed offer. You will need to include an approval letter from the lender you plan to use. The offer will include a financing contingency. As long as you're careful about dates, if the financing doesn't come through, you'll get your EM back. If the financing contingency date passes, and you don't inform the seller you haven't been able to get financing, you'll lose the EM.