# Third-Party Guarantor Apartments in Texas | No Credit Check Apartments

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URL: https://nocreditcheckapartments.com/guarantor-cosigner/

Guarantor & Co-Signer

# No Co-Signer? A Third-Party Guarantor Can Get You Approved

For renters whose profile doesn't pass screening and who have no personal co-signer. A guarantor company co-signs the lease for a fee.

Start Your Free Search

[/contact/ →](/contact/)

 

Call 800-291-0959

[tel:+18002910959 →](tel:+18002910959)

Last updated: July 16, 2026

![Third-Party Guarantor & Co-Signer Assistance](/images/misc/renter-comparing-insurent-theguarantors-jetty-cosi.webp)

**15+ Years**  
Experience

**10,000+**  
Renters Housed

**100% Free**  
To Renters

**TREC #9006179**  
Licensed TX Broker

## Sound familiar?

These are the situations we solve every day.

Not knowing third-party guarantor companies exist as an option when you have no personal co-signer

Applying to communities that don't accept your guarantor provider and wasting the application fee

Unsure whether you even qualify for a guarantor (companies require 27-50x monthly rent in income)

No clear picture of the total upfront cost until you're already committed to a unit

When your profile doesn’t pass screening and you have no personal co-signer, a **third-party guarantor company** can co-sign your lease for a fee. Most renters don’t even know these companies exist.

## How guarantors work

-   **Fee**: typically **5% to 12% of annual rent**, paid up front
-   **Timing**: paid in addition to your deposit and first month’s rent
-   **Underwriting**: guarantor companies have their own income requirements — usually **27x to 50x monthly rent** in income
-   **Coverage**: they co-sign the lease. If you miss rent, the guarantor pays the landlord and comes after you.

**Providers in Texas**:

-   **Insurent** — one of the most widely accepted
-   **TheGuarantors** — common in Dallas Uptown and Houston high-rises
-   **Jetty** — often accepted in garden-style communities
-   **Cosign** — growing acceptance
-   **Oneapp Guarantee**, **Liberty Rent** — newer providers, spot acceptance

Not every community accepts every provider. That’s where we come in.

## What guarantors solve (and don’t)

**They solve**: financial risk. Bad credit, no credit history, insufficient income (with a guarantor covering the shortfall), international workers with no US credit file.

**They don’t solve**: behavioral risk. Evictions, broken leases, and criminal records are not financial risks — they’re patterns that guarantor companies don’t cover. Some Texas communities accept a guarantor for credit issues but still deny for an eviction. Some accept it for both. The community selection matters.

Read our 

guarantor vs. deposit vs. co-signer comparison

[/guide/guarantor-vs-deposit-vs-cosigner-bad-credit/ →](/guide/guarantor-vs-deposit-vs-cosigner-bad-credit/)

 for the full trade-off analysis.

## Total move-in cost

On a **$1,500/month unit**, a guarantor-approved move-in usually looks like:

-   Guarantor fee: $900-$2,160 (8% typical = $1,440)
-   Security deposit: $500-$1,500 (varies)
-   First month’s rent: $1,500
-   Application/admin fees: $50-$200

**Total upfront: $2,950-$5,360**

We calculate this for your specific unit before you commit. Use our 

rent affordability calculator

[/tools/rent-affordability-calculator/ →](/tools/rent-affordability-calculator/)

 to size your target rent first.

## How we solve it

We know which communities accept which providers (Insurent, TheGuarantors, Jetty, Cosign). We pre-qualify you for guarantor eligibility (checking that your income meets the 27-50x multiple). We advise on total move-in costs. And we identify communities where guarantor approval **bypasses the credit threshold entirely** — you don’t need to hit a credit minimum if the guarantor takes on the risk.

## When to skip the guarantor

Sometimes a larger deposit or a personal co-signer costs less. For lower-priced units, a $500 additional deposit might be cheaper than a $1,440 guarantor fee. We tell you when that’s the case.

## What to bring us

-   Target rent range and metro
-   Annual income (must meet 27-50x monthly rent multiple)
-   Employment stability
-   Which screening issue drove you to consider a guarantor

We’ll pre-qualify you and match you to the right Texas community within 2-4 business hours. Free.

## What We Handle for You

Specific expertise for your specific situation.

Matching to communities that accept Insurent, TheGuarantors, Jetty, or Cosign

Pre-qualification for guarantor eligibility (27x-50x monthly rent income)

Total move-in cost guidance (guarantor fee + deposit + first month)

Identification of where guarantor approval bypasses the credit threshold

## Ready to stop getting denied?

Send us your details. Get a targeted Texas property list within 2-4 business hours. 100% free — communities pay us.

Start Your Free Search

[/contact/ →](/contact/)

 

Call 800-291-0959

[tel:+18002910959 →](tel:+18002910959)

## How It Works: 3 Steps to a Targeted Property List

1

### Pre-qualify for a guarantor

Guarantor companies require 27x-50x monthly rent income. We check your eligibility before you apply.

2

### Match to accepting communities

Not every Texas community accepts every provider. We target properties that take yours.

3

### Total move-in cost planning

Guarantor fee + deposit + first month = your true upfront cost. We calculate it up front.

## Why Texas Renters Choose Our Locating Service

### Provider knowledge

Insurent, TheGuarantors, Jetty, Cosign, Oneapp Guarantee, Liberty Rent — each has different acceptance across Texas metros. We track it.

### Pre-qualification saves time

Guarantor companies do their own underwriting. We check your income-multiple eligibility before you apply, so you don't waste the guarantor application fee.

### Behavioral vs. financial risk

Guarantors solve financial risk. They don't solve behavioral risk. Some communities accept guarantors for credit but not for evictions. We know which.

![Third-Party Guarantor & Co-Signer Assistance](/images/features/signed-guarantor-agreement-with-total-move-in-cost.webp)![Third-Party Guarantor & Co-Signer Assistance](/images/features/renter-signing-texas-lease-with-third-party-guaran.webp)![Third-Party Guarantor & Co-Signer Assistance](/images/features/dallas-high-rise-apartment-building-that-accepts-t.webp)![Third-Party Guarantor & Co-Signer Assistance](/images/features/renter-moving-into-austin-apartment-approved-via-l.webp)

## What Renters Say After Getting Approved

Real outcomes from real people with similar situations.

★★★★★

"I didn't know guarantor companies even existed. They pre-qualified me, explained the total move-in cost up front, and pointed me to a Fort Worth community that took TheGuarantors. Zero cost to me."

Andre L.

Fort Worth, TX · Guarantor & Co-Signer

## Frequently Asked Questions

How much does a lease guarantor cost? +

Typically 5-12% of annual rent, in addition to your deposit and first month's rent. On a $1,500/month unit, that's $900-$2,160 as a one-time guarantor fee.

Which communities accept which providers? +

It varies by community. Dallas Uptown high-rises often accept Insurent and TheGuarantors. Some Austin garden communities accept Jetty. We match you to communities that take your specific provider.

Do I need to qualify for the guarantor company? +

Yes. Providers require 27-50x monthly rent in income. On $1,500 rent, that's $40,500-$75,000 in annual income. We pre-check your eligibility.

Can a guarantor bypass an eviction denial? +

Usually not. Guarantors solve financial (credit) risk, not behavioral (eviction/lease-history) risk. Some communities accept a guarantor for credit issues but still deny for eviction. We know which do what.

How much does a third-party guarantor cost in Texas? +

Guarantor companies typically charge 5-12% of your annual rent as a one-time fee, and most require household income of 27-50x the monthly rent to qualify. We confirm which communities accept your specific guarantor provider before you pay any application fee.

## Guarantor & Co-Signer Apartment Locating Across Texas

We locate guarantor & co-signer apartments in every major Texas metro. Pick your area to see how local screening works and start your free search.

### Dallas / DFW

Dallas County

[Dallas / DFW →](/dallas/)

### Fort Worth

Tarrant County

[Fort Worth →](/fort-worth/)

### Houston

Harris County

[Houston →](/houston/)

### Austin

Travis County

[Austin →](/austin/)

### San Antonio

Bexar County

[San Antonio →](/san-antonio/)

## Guarantor & Co-Signer Guides & Resources

In-depth answers to the questions renters ask us most about guarantor & co-signer and Texas apartment screening.

### What Is a Third-Party Guarantor and How Does It Work?

A guarantor company co-signs your lease for a fee. How underwriting works, which providers operate in Texas (Insurent, TheGuarantors, Jetty, Cosign), and the limits.

[What Is a Third-Party Guarantor and How Does It Work? →](/guide/what-is-a-third-party-guarantor/)

### How Much Does a Lease Guarantor Cost in Texas?

A lease guarantor typically costs 5-12% of annual rent, on top of your deposit and first month. Total move-in math and how to weigh it against a deposit or co-signer.

[How Much Does a Lease Guarantor Cost in Texas? →](/guide/how-much-does-lease-guarantor-cost-texas/)

## Other Services We Offer

### Bad Credit Apartment Locating

For renters whose credit score is too low to pass standard screening. We find Texas communities that look past the score.

[Bad Credit Apartment Locating →](/bad-credit/)

### No Credit History / First-Time Renter Locating

For renters with a thin file or no credit file at all — recent grads, young adults, immigrants, and international workers. No score is often denied like a low score.

[No Credit History / First-Time Renter Locating →](/no-credit-history/)

### Bankruptcy Apartment Locating

For renters with a Chapter 7 or Chapter 13 on their credit report. Some communities view discharged bankruptcy more favorably than active collections.

[Bankruptcy Apartment Locating →](/bankruptcy/)

## Ready to Get Approved for Your Next Apartment?

Send us your details and we'll return a targeted Texas community list within 2-4 business hours. Free.

Start Your Free Search

[/contact/ →](/contact/)

 

Call 800-291-0959

[tel:+18002910959 →](tel:+18002910959)