Find Your Perfect
Apartment
Rent with confidence, even if you don't meet traditional credit or income requirements. HomeUp provides flexible approval options to help you secure your next home.
How Renting Works with HomeUp
Browse Apartments
Search available rental properties in your desired area. Filter by price, bedrooms, amenities, and location.
Submit Application
Complete your rental application with basic information, income verification, and identification documents.
Choose Approval Option
If you don't meet traditional requirements, select from our guarantor programs to secure approval.
Move In
Sign your lease, pay your first month's rent and any applicable fees, then get your keys and move in.
Why Rent with HomeUp?
Traditional rental applications can be challenging if you have limited credit history, are a student, or don't meet strict income requirements. HomeUp changes that.
Flexible Approval Options
Multiple guarantor programs available if you don't meet traditional credit or income requirements.
Transparent Pricing
Clear breakdown of all costs—no hidden fees or surprise charges during the application process.
Fast Processing
Quick application review and approval decisions, so you can secure your apartment faster.
Student-Friendly
Special programs designed for full-time students who may not have established credit or income.
Our Guarantor Programs
Don't meet traditional requirements? Choose from our flexible guarantor programs to get approved for your apartment.
OneApp
Soft credit check only. Payment plans available. Covers rent and damages in event of default.
Applicants needing flexible payment options
TheGuarantors
Fee determined by credit and financial qualifications. Provides lease guarantee to property.
Limited or challenged credit history
Leap RGP
Based on credit and financial profile. One-time upfront fee for rent guaranty coverage.
Non-student applicants
Leap GWP (Students)
Alternative to personal guarantor for full-time students. Monthly payment option.
Full-time students
Deposit Replacement
Pay monthly instead of large upfront deposit. Must be paired with another guarantor program.
Avoiding large upfront deposits
Lighthouse Options
Multiple approval alternatives including processing fees and third-party guarantor services.
Properties with multiple options
Important to Know
All guarantor and lease guarantee fees are third-party, non-refundable fees. These fees are determined and collected by the guarantor provider, not by HomeUp or the property management company.
Fees vary based on the provider, your individual risk profile, and property approval requirements. We never quote exact pricing—final fees are determined by the guarantor provider during the application process.
Approval through a guarantor program does not remove your lease responsibilities. You are still fully responsible for rent payments and lease obligations. The guarantor program provides coverage to the property owner in case of default.
Common Questions
What if I don't meet the income requirements?
If you don't meet the property's income requirements (typically 2.5-3x monthly rent), you can use one of our guarantor programs to secure approval. These programs provide financial coverage to the property owner, allowing you to rent even without meeting traditional income thresholds.
Can I use a guarantor program if I have bad credit?
Yes! Programs like OneApp, TheGuarantors, and Leap RGP are specifically designed for applicants with limited or challenged credit. The cost may vary based on your credit profile, but approval is possible even with poor credit history.
How do I choose the right guarantor program?
The best program depends on your situation. Students should consider Leap GWP. If you prefer a one-time fee, look at OneApp, TheGuarantors, or Leap RGP. If you want to avoid a large upfront deposit, consider the Deposit Replacement option. Our team can help guide you to the best choice for your needs.
Are guarantor fees refundable?
No, guarantor and lease guarantee fees are generally non-refundable. These are third-party insurance-like products that provide coverage to the property owner, and fees are collected by the guarantor provider, not by HomeUp.
How long does the approval process take?
Application processing times vary by guarantor provider, but most decisions are made within 24-48 hours. Some programs like OneApp offer soft credit checks for faster processing. Once approved, you can typically move forward with signing your lease immediately.