How to apply without a guarantor

A co-signer backs your lease financially and agrees to pay if you can’t. They’re required when an applicant doesn’t fully meet income, credit, or screening criteria.

Co-signers must submit their own application, verify income, and pass the same background checks as the primary applicant.

Yes. Every adult applicant must sign an Applicant Packet before starting the Rental Application. Your application cannot move forward without it.

Click here to E-sign the application packet now: https://hmtwn.co/applicant-packet

Yes. It’s common for several days to pass without an update. Each application goes through multiple checks and then a full owner review, which can take up to 7 business days depending on volume.

If it has been longer than 7 business days, you can email applicants@hmbcs.com to check your status.

We appreciate your patience while we review your application thoroughly.

After all adult applicants finish their applications and screenings, the property owner reviews everything and makes a decision—this can take up to 7 business days.

If you’re approved, you’ll receive an email with next steps: e-signing your lease, paying your move-in balance in the Resident Center, providing renters insurance, and any other conditions.

If it’s been more than 7 business days with no update, email applicants@hmbcs.com to check your status.

No. Realtors® do not receive automatic updates. All communication is sent directly to the primary applicant.

If your Realtor® needs information, they can email applicants@hmbcs.com

No. You must sign it, but you don’t need to print or scan anything.
You can E-sign the Applicant Packet instantly using the link below—it only takes about 30 seconds: https://hmtwn.co/applicant-packet

We use PayScore, a third-party provider, to verify income directly from your bank’s deposit history. You log in once through a secure, read-only connection so PayScore can confirm your income quickly and accurately—often more reliably than pay stubs alone.

Make sure you connect the account where your income is actually deposited, not a credit card or loan account.

To ensure the landlord considers all your income during the application review, please make sure to add any relevant income to your PayScore profile. Only the income included in your profile will be taken into account.

If you have questions or cannot connect your bank account to PayScore, use their live chat feature on their website or email support@payscore.com.

With PayScore's system, you'll share less information upfront compared to the traditional method of sharing pay stubs and bank statements. We recognize that sharing sensitive financial details can feel daunting. That's why we prioritize your privacy and security, utilizing a third-party provider, PayScore, to handle the process.

Our online income verification system is built with your privacy in mind. It employs 256-bit encryption, the same level of security used by your bank. Your usernames and passwords are never displayed, viewed, or stored. This approach ensures the safest, fastest, and most convenient way for you to submit information for review and approval by Hometown Management.

If you have questions or cannot connect your bank account to PayScore, use their live chat feature on their website or email support@payscore.com.

Payscore partners with 99% of all financial institutions in North America. Accordingly, PayScore is held to stringent security standards to meet policy requirements for those institutions.

Their system is designed specifically to maintain and enhance your privacy and security, using 256‐bit encryption.

If you have questions or cannot connect your bank account to PayScore, use their live chat feature on their website or email support@payscore.com.

Never. Your ID and password are never displayed or viewed. Only encrypted credentials are transferred to your financial institution. If your credentials are correct, we will receive a “read‐only” copy of your transaction data, allowing us to receive income reports and accelerate the approval process for your application.

If you have questions or cannot connect your bank account to PayScore, use their live chat feature on their website or email support@payscore.com.

Yes. Every student is required to secure a co-signer regardless of the university that they are attending. 

If you are uncertain whether you need to obtain a co-signer, kindly refer to our Resident Qualification Standards sheet available at the following link: https://hmtwn.co/selection-criteria

Every student or retiree is required to secure a co-signer. 

In general, students and retirees are required to have a co-signer.
If you’re unsure, review our Resident Qualification Standards or email applicants@hmbcs.com with your situation.

In your application, you will specify the requirement for a co-signer and you'll provide their contact information accordingly. Once this step is completed, the designated co-signer will be sent a separate application to complete. Upon submission of the co-signer application, it will be automatically associated with your initial application.

Failure to indicate the need for a co-signer when required may result in the denial of your application. Kindly address any oversight promptly by emailing applicants@hmbcs.com and providing details regarding the situation.

Please ensure that they complete their rental applications and finalize the application process before the 72-hour deadline expires. 

To expedite this, you can directly send them an application by completing this brief form (which takes approximately 5 seconds to complete): https://hmtwn.co/share-application

All assistance animals (service and support animals) are screened through a third-party service called PetScreening. They review documentation and communicate the outcome to us.

We follow their recommendations in compliance with fair housing laws.

Once you’re approved and your Resident Center portal is active, you’ll pay your security deposit there. This is upfront as a part of your total move-in balance.

Upon approval, you will be granted access to your resident center portal, where you will be able to submit payment for your pet deposit prior to your move-in date.

Your first month’s rent is paid through the Resident Center, as a part of your total move-in balance.

Specific dates and amounts will be outlined in your approval and lease documents.

No. A co-signer does not have residency rights. Their role is purely financial—to guarantee the lease, not to occupy the home.

Co-signers must show sufficient income to cover the rent if you can’t. Generally, this means income of at least 3 times the monthly rent, though specific requirements may vary by property and owner.

No, only one co-signer is allowed per application. The co-signer must meet all income and qualification requirements individually.

No. Application updates are sent to the primary applicant, not the co-signer.

If a co-signer has questions, they can email applicants@hmbcs.com.

Yes. You can add a co-signer after submitting your application. Email applicants@hmbcs.com with your name, property address, and your co-signer’s contact info so they can be sent their application link.