# Guarantor for Broken Lease Apartments Texas | Broken Lease Team > Third-party guarantors co-sign leases for a fee. We know which Texas communities accept Insurent, TheGuarantors, Jetty & more for broken leases. Free service. URL: https://brokenleaseapartments.com/guarantor/ Broken Lease Help # A Guarantor Can Co-Sign, But Only If the Community Accepts One A guarantor company co-signs the lease for a fee. We know which communities accept guarantors for broken leases specifically. Start Free Search [/contact/ →](/contact/) Call 800-291-0959 [tel:+18002910959 →](tel:+18002910959) Last Updated: July 16, 2026 ![Third-Party Guarantor for Broken Leases — apartment locator helping renter](/images/misc/renter-at-laptop-reviewing-insurent-theguarantors-.webp) 4.9★ · Google reviews TREC #9006179 100% free · Renters pay nothing 24-48 hours · List turnaround ## The pitch, and the catch no one tells you A third-party guarantor company co-signs your lease for a fee — typically 5%-12% of annual rent, on top of your deposit and first month. On the community’s side, the guarantor covers the financial risk of the lease. On your side, you get a shot at communities that otherwise wouldn’t approve you. The catch: guarantors solve financial risk, not behavioral risk. Some communities won’t accept a guarantor for a broken lease because they view the break itself as a pattern concern, not just a money problem. Those communities will happily take a guarantor from a renter with thin credit or short employment — but not from a renter with a broken lease on record. Which communities fall on which side of that line is the thing our agents track. ## The six providers you’ll actually see in Texas ![Comparison of six guarantor providers in Texas](/images/misc/comparison-table-of-six-guarantor-providers-insure.webp) **Insurent** is one of the oldest and most widely accepted. Fee typically 6%-13% of annual rent. Underwriting around 27.5x monthly rent in income. **TheGuarantors** offers different tiers with fees usually 5%-10% of annual rent. Slightly more flexible underwriting; sometimes uses employment history and credit together. **Jetty** covers guarantor plus renter-friendly financial products. Fee typically 5%-10%. Popular at newer, larger PMC portfolios. **RentWithCosign** targets renters who wouldn’t qualify at the majors. Higher fee, more flexible underwriting. Not accepted everywhere. **Liberty Rent** offers guarantor plus lease-insurance products. Underwriting varies by community relationship. **OneApp Guarantee** is a newer entrant with more flexible income thresholds and a growing acceptance list. Every provider has its own underwriting, so the same renter may qualify at one and not another. Every community has its own accepted-provider list, so the same guarantor may be accepted at one property and rejected at another. Our list to you matches both sides. Here’s how the three most widely accepted providers compare: | Provider | Typical Fee (of annual rent) | Income Underwriting | | --- | --- | --- | | Insurent | 6%-13% | Around 27.5x monthly rent | | TheGuarantors | 5%-10% | More flexible; credit + employment | | Jetty | 5%-10% | Common at larger PMC portfolios | ## Total move-in cost math Before you pay a guarantor fee, run the full move-in math. A representative example on $1,500 monthly rent: - **First month’s rent:** $1,500 - **Security deposit** (usually one month): $1,500 - **Risk fee** (if a broken-lease community also charges one): $500 - **Guarantor fee** (8% of annual rent): $1,440 Total move-in: **~$4,940**. It’s a lot. If a community you can access without a guarantor is available in your target city, you often save two grand by taking that route. If it’s the only way into a community that fits your job, budget, and location, the fee unlocks something the fee saves you elsewhere. We do this math with you before you commit. ## The “will they accept it” question We never send a client to a community with a guarantor without confirming first that the community accepts that specific provider for a broken-lease application. Getting denied after paying a $1,500 guarantor fee is the worst outcome we can prevent — and it’s entirely preventable if you check before you commit. It’s part of how we find apartments that accept broken leases [/ →](/) that will actually honor a guarantor for your scenario. Why Renters Choose Us ## Why our broken-lease approach beats going it alone ### Provider-to-community matching Not every community accepts every provider. We know which pairs work in Texas before you pay the fee. ### Underwriting reality The 27x-50x income multiple isn't the same at every provider. Some are more flexible. We know which. ### The real limitation Guarantors solve money, not behavior. Some communities won't accept one for a broken lease at all. We tell you which. The Process ## Our broken-lease placement process, step by step 1 ### Match community first Some communities won't accept a guarantor for a broken lease at all. We confirm before you commit. 2 ### Choose a provider Insurent, TheGuarantors, Jetty, RentWithCosign, Liberty Rent, OneApp Guarantee. Different underwriting, different acceptance. 3 ### Underwriting 27x-50x monthly rent in income is the typical range. We help you prep the documentation. 4 ### Total-cost math Guarantor fee + first month + deposit + any risk fee. We show you the number before you sign anywhere. Zero-risk next step ## 100% free. No obligation. Curated list in 24-48 hours. You pay nothing. Communities pay us a referral fee only if you sign a lease. If we can't find you a fit, you owe nothing. Start Free Search [/contact/ →](/contact/) Call 800-291-0959 [tel:+18002910959 →](tel:+18002910959) FAQ ## Broken-lease approval questions renters ask What does a guarantor actually do? A guarantor co-signs your lease for a fee. If you default on rent, the guarantor company pays the community and pursues you for reimbursement. From the community's perspective, financial risk is covered. How much does a guarantor cost? Typically 5%-12% of annual rent, paid up-front. On $1,500 monthly rent, that's roughly $900-$2,160. The fee is not refundable and comes on top of first month's rent and security deposit. What income do I need to qualify for a guarantor? Guarantor companies underwrite too. Most require 27x-50x monthly rent in income, and that's a lot. If you fall short, some providers are more flexible than others. Do all Texas communities accept guarantors? No. Some accept only specific providers. Some don't accept guarantors for a broken lease specifically because they view the break as a behavioral concern that money can't solve. We check before you commit. How do you know which communities accept my guarantor for a broken lease? We track accepted-provider lists property by property and confirm broken-lease acceptance before you apply — so you never pay a guarantor fee only to be denied. The shortlist takes 24-48 hours and is free. Related Scenarios ## Other broken-lease apartment paths ### Broken Lease With No Rental History Since Without positive history to offset the mark, placement relies on income, employment stability, and documentation. [Broken Lease With No Rental History Since →](/broken-lease-no-history/) ### Recent Broken Lease (Under 2 Years) The hardest placements. We identify communities that conditionally approve recent broken leases, usually with a risk fee and higher income requirement. [Recent Broken Lease (Under 2 Years) →](/recent-broken-lease/) ### Broken Lease in Collections Double screening hit across rental history AND credit report. We find communities that don't weight rental collections the same as other collections. [Broken Lease in Collections →](/broken-lease-collections/) In-Depth Guides ## Guides for your broken-lease scenario Free explainers on screening, timing, collections, and documentation — written by our Texas locating desk. Learn ### Guarantor Underwriting and Income Requirements (27x-50x Rent) Guarantor companies underwrite too — usually 27x-50x monthly rent in income. Whether you qualify, what documents you'll need, and the process. [Guarantor Underwriting and Income Requirements (27x-50x Rent) →](/guide/guarantor-underwriting-and-income-requirements/) Learn ### How a Third-Party Guarantor Works for a Broken Lease A third-party guarantor co-signs your lease for a fee, covering financial risk. How it works, what it costs, and how landlords view it. [How a Third-Party Guarantor Works for a Broken Lease →](/guide/how-a-third-party-guarantor-works-for-a-broken-lease/) Learn ### When Communities Won't Accept a Guarantor for a Broken Lease Guarantors solve money, not behavior. Some communities reject them for a broken lease. Why, and how our agents find guarantor-accepting communities. [When Communities Won't Accept a Guarantor for a Broken Lease →](/guide/when-communities-wont-accept-guarantor-for-broken-lease/) Decide ### Guarantor Fees and Move-In Cost: Is It Worth It? A guarantor fee (5%-12% of annual rent) adds to your deposit and first month. The full move-in math and when a guarantor is worth it. [Guarantor Fees and Move-In Cost: Is It Worth It? →](/guide/guarantor-fees-and-move-in-cost-is-it-worth-it/) Decide ### Guarantor Providers in Texas: Insurent, TheGuarantors, Jetty, and More Compare Texas guarantor providers — Insurent, TheGuarantors, Jetty, RentWithCosign, Liberty Rent, OneApp — on fees, underwriting, and acceptance. [Guarantor Providers in Texas: Insurent, TheGuarantors, Jetty, and More →](/guide/guarantor-providers-in-texas/) ## See communities that will approve you. Free, broker-led, curated Texas list in 24-48 hours. No obligation. Start Search [/contact/ →](/contact/) Call 800-291-0959 [tel:+18002910959 →](tel:+18002910959)