CO-SIGNERS MUST MEET THE FOLLOWING QUALIFICATION STANDARDS. APPLICANTS WHO DO NOT MEET MINIMUM SCREENING STANDARDS WILL NOT BE APPROVED:

Credit History Criteria:

Requirement: At least 2 accounts established for 1 year and in good standing​​

  • Credit score must be at least 700.

  • Final recommendation will also be dependent on income and employment history.

Deniable Factors:

  • Any derogatory credit history (past due accounts, collections, judgments, tax liens,
    charge off) that is: 1) within the past 5 years or 2) more than 5 years old and in excess of
    $100.00.

  • Unverifiable (and/or falsified) social security number.

  • Open or discharged bankruptcy.

  • Any upaid judgment.

  • Less than 700 credit score.

Employment History Criteria:

Requirement: 12 months of employment with current employer or in same field of work

  • Employment requirements will be waived for retired and self-employment applicants.
    However, the previous two years tax returns and two most recent bank statements will
    be required for verification of income.

  • Military personnel will be required to provide L.E.S. for proof employment.

  • Final recommendation will also be dependent on credit history and income.

Deniable Factors:

  • No verifiable employment.

  • Less than 12 months of employment with current employer or in same field of work.

Income Requirement Criteria:

Requirement: Verifiable monthly (garnishable and non-garnishable) income equal to or greater than 4 times the monthly rental amount

  • Valid proof of income includes but is not limited to current paystubs, tax returns, W2's,
    Leave and Earning Statements (military) or bank statements.

Deniable Factors:

  • Unverifiable income/Lack of proof of income (or falsification of income information).

  • Monthly income less than 4 the monthly rental amount.

Meet all of our Co-Signer criteria? Download our application here
Please send Co-Signer agreement to address listed in header of application