Application Process  
Please note we do not accept applications from the
following: Section 8 vouchers (except as indicated),
owners of Rottweillers, Bull/Staffordshire Terriers, Dobermans,
Chows or other aggressive-breed dogs; multiple adult roommates
(more than 2), out-of-state co-signers, or illegal aliens.
(Other restrictions apply.)

How the application process works:

APPLY ONLINE: To fast-track the process you may begin by applying online. On the individual page for the property you will see an orange “Apply Now” button. That gives us basic information we need to run a credit check first. This will allow us to evaluate your credit history to determine how far we need to go in the process. If you have a credit history we can work with (and it doesn’t have to be “perfect”) we will ask for the rest of the information needed to complete your application using [THIS FORM].

APPLICATION FEE ONLINE! The application fee is $40 PER ADULT, meaning, anyone aged 18 or older who does not have a permanent address elsewhere, such as children in college. You can also supply us with the application fee either in person when you meet to tour the property (you can pay with cash, cashiers check or money order at that time), or you can mail or deliver the application fee - cashiers check or money order only, NO CASH - to our address (it’s the UPS store across from the Mall of Georgia). We do not accept personal checks and we do not begin the process without the application fee having been paid. Do not apply if you do not pay the application fee!

PAPER APPLICATION: If you would prefer you can provide a paper application along with the application fee and reservation deposit to the property’s listing agent. Open a North Atlanta Realty, Inc. rental application by clicking [HERE]. If you have the right software you can fill in the form. You will then need to deliver the completed application and supporting documents by mail or in person to the property manager. If you have Adobe Acrobat Reader you will find you can not fill in the blanks, but here is a link to an extremely useful and free PDF reader that will. It’s a small, quick download.
 There are links to other programs on our Free PDF Reader page.
Be sure to put in the address of the property and the desired date of occupancy! Complete the application and submit it along with cashiers check or money order(s) for the application fee and reservation deposit and all the items called for on the checklist (cover page of the ap). We do not return documents submitted with the application so anything you would want back should be a photocopy instead, not the originals.
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Application fee is $40 per adult (18 & above, no exceptions). We only accept cash, cashiers check or money order for the application fee - no personal checks. The reservation deposit is equal to one month's rent and may be in the form of a personal check unless you are moving within 10 days of making application, in which case the reservation deposit must be a cashiers check or money order(s). All checks and money orders should be made payable to North Atlanta Realty, Inc.  The reservation deposit becomes a non-refundable Holding Fee once you are approved, and shall be applied fully to rent beginning the day you take possession of the home. We do not process applications that are not accompanied by the application fee.

Notice: Unless agreed to otherwise in writing, the Property remains
on the market until a lease is signed and management has
received the holding fee. Until then Management may continue
to show the Property to other prospective tenants and accept
other offers. If another offer is accepted your reservation
fee shall be refunded.

There are 3 basic underwriting criteria:

• Reasonably good credit over all, with the most recent 6 months free of late pays, charge offs, collections, convictions, etc.. Bankruptcies must have been discharged for at least 6 months. If you have weak credit but other positive compensating factors we can work with you: FICO credit score of 575 to 535 shall require double deposit. A FICO score under 535 will be declined.
• Low debt-to-income ratio and Gross Income 3 times the monthly rent.
• Excellent landlord references for past two years. If your credit report shows you’ve left owing a landlord money or if, within the last 5 years you’ve been evicted or had multiple actions brought by a landlord, you will immediately be turned down!

All non-related persons should submit separate applications. If you are self-employed we will need tax return for the last year and this year’s quarterly 941’s. If you are a foreign national you must provide a copy of your passport or visa.

Credit History:
To determine satisfactory credit worthiness we obtain a report from credit reporting agency. If you have weak credit you must have other strong compensating factors which may include putting up a larger security deposit. A steady job, sufficient income, and a good rental history will also help, but we place a lot of emphasis on credit history.

FREE Credit Scoring Book: Get your FREE COPY of Fair Isaac & Company's 20 page booklet entitled, "Understanding Your Credit Score" at the link below.

Income History:
We must be able to verify income that is at least 3 times the rent. Verification from your employer and copies of last two year-to-date pay stubs are required. Self employed and owners of companies present unique challenges. We generally require a copy of last year’s 1120, 1040 and copies of current year’s quarterly estimated tax returns.

If you are self employed we will require the most recent form 1099 plus most recent form 940, or other quarterly estimated tax report (with original signatures)

Rental History:
Must be free of evictions, judgments, and unpaid rents  If you are terminating a lease early you must provide a letter from your current landlord stating all requirements for early termination have already been met. If you are moving from a private home rather than an apartment complex you must provide a copy of your current lease and a copy of any recent utility bill.

Criminal History:
We do not rent to any individual who has ever had a conviction or who has a pending charge of a felony crime or who, within the last 3 years, has had a conviction or pending misdemeanor charge involving illegal substances or a crime against persons or property.

CO-Signers:
Must live within 50 miles of Atlanta and have a FICO score of 700 or above. Maximum debt ratio, including mortgage(s) and rent amount, auto loans, credit cards, etc. is 40% of gross income. Maximum mortgage(s) and rent payments alone cannot exceed 30% of gross income.

Occupancy:
The number of occupants is limited to 2 persons per bedroom. All occupants, 18 years of age and over must submit an application. ROOMMATES: We allow a maximum of two unrelated adult roommates (and your children).

Pets:
Policies on pets vary according to the home. However, none of our homes permit the following breeds of dogs: Pit Bulls, Dobermans, Rotweilers, Chows, or near relatives. “Baby-sitting” pets of friends or relatives is not allowed without written permission. If you currently own a dog or cat do not apply for a property that has a “no pet policy”. Pet policies are strictly enforced.

Approval time depends on responses from work and landlord references. Notify your company and your landlord that we will be contacting them.

Upon approval of the application the reservation deposit check (equal to one month’s rent) is cashed and becomes the holding fee and non-refundable. It covers the first month's rent. If the application is not approved the reservation deposit check is voided and mailed back to the address you designate. We will not deliver the reservation deposit to you personally.

Lease Signing:
When you're approved you will need to set an appointment with the property manager to execute a signed lease as soon as possible. Unless otherwise agreed to in writing, the Property remains on the market until a lease is signed and Management shall continue to show the property to other prospective tenants and accept other offers.

Utilities:
You'll be responsible for applying for utilities. You may obtain the names of the service providers from the property manager. You may want them scheduled a day or two before move-in, especially if you anticipate moving in on the weekend.

On move-in day, you and your property manager will meet at the property to conduct a move-in orientation and survey of the property.  You'll need to bring your security deposit to the move-in.   Security deposit is equal to one month's rent (minimum).  If a pet is allowed there is an additional $300 non-refundable pet fee ($400 minimum for two pets) and should be a separate check.

Acceptable forms of deposit are cashier's check or money orders only made payable to North Atlanta Realty, Inc.; cash or personal checks are not accepted. .

Once your application has been approved be sure to file your CHANGE OF ADDRESS with the post office and call for utilities. (Gwinnett Utility Phone Numbers)

Lease Term: The leases run a minimum of 12 months. Often, a two or three year lease will be available. Short term leases are not available unless noted in the property listing page. Our leases automatically renew on an annual basis unless the Resident sends a notice of termination 60 days prior to the renewal date.

Payment of rent: Please note our policy is rent is to be paid in advance; therefore, the due date for payment of rent is the first business day of the month. We do not allow a grace period.

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Terms and conditions subject to errors, omissions, and change without notice.