Your Future, Not Your Past.
Housing with Income, Not Credit.
Let's be honest about what you're up against. You have a job. You work hard. You pay your bills. But when you apply for an apartment, the landlord runs a credit check and sees something from your past. An eviction from five years ago when you lost your job. A thin credit file. A record that has nothing to do with your ability to pay rent today.
And just like that, the door closes. It's not fair. It's not right. But it's the system we live in.
Project Havenbridge was built to change that system. Not by fixing your credit, but by fixing access. We don't care about your credit score. We care about your income. If you can pay rent, you deserve a home.
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The System Wasn't Built for You
45 million Americans are credit invisible. Another 19 million have unscored credit files. That's 64 million people who, by design, are locked out of traditional housing.
And when you add a past eviction? The door doesn't just close. It slams shut. A single eviction filing can make you unhousable for years. Landlords don't ask why. They don't care that you lost your job during COVID, or that your divorce left you with debts you've since paid.
"They just say no. You're not alone in this. But it sure feels that way."
We Don't Fix Credit. We Fix Access.
You Apply
Fill out a simple application. We ask about income and household. No credit score required.
We Verify Income
Show steady income (at least 1.5x rent). Pay stubs, bank statements, or employer letters work.
We Become Your Guarantor
We sign the master lease. We assume all financial risk and guarantee your rent to the landlord.
You Sign with Us
You sign a sublease with Havenbridge. One point of contact, one partner, one goal.
We Stay With You
This is a relationship. If you struggle, call us first. We help you before things go wrong.
The Haven Vault – Your Community Fund
When you join, you pay a one-time Community Fund Fee (1.5x monthly rent). It is not a security deposit. Here is why:
| Feature | Security Deposit | Community Fund Fee |
|---|---|---|
| Held By | Your landlord | The Haven Vault |
| Returned? | Maybe | No (It's a contribution) |
| Impact | Helps only you | Helps the whole community |
| Usage | Sits idle for years | Works immediately to guarantee homes |
40% to the Vault
A perpetual fund that guarantees housing for every member. When you need help, it's there.
60% to Operations
Funds the staff, systems, and support needed to keep this mission running.
After 12 months of on-time payments, you get Lifetime Portability. Move to any Project Havenbridge property with no new fee. Ever.
We Don't Evict. We Help.
Life happens. In the regular rental world, that leads to eviction. With us, it leads to a solution.
Level 1: Payment Plan
Hardships are split into manageable bi-weekly payments to keep you housed.
Level 2: Remote Worker
Place a vetted worker in your spare room to help cover your rent balance.
Level 3: Room Rental
We rent extra rooms to vetted individuals. Income goes directly toward your balance.
Level 4: Voluntary Move-Out
Transition without an eviction record. You keep your membership and portability for later.
Level 5: Eviction
Absolute last resort. Only used if communication fails. Results in a permanent ban.
Why This Matters – A Personal Word
I've been evicted three times. Job loss. Divorce. I begged for time. I was promised help that never came. I lost everything. I became someone landlords would never rent to again.
"I built Project Havenbridge for the person I was. Sitting in that courtroom. Terrified. Out of options. Watching everyone walk past. I built this so that person has someone."
What Members Say
"I thought I was going to lose everything. Then Havenbridge knocked on my door. They didn't make promises they couldn't keep. They just said, 'We can help.' And they did."
— Rescued Family"After my divorce, I had an eviction. I couldn't find anyone to rent to me, even with a good job. Havenbridge cared about my income, not the past."
— Havenbridge MemberFrequently Asked Questions
No. We qualify based on your income. Period. We don't run credit checks.
That's exactly who we're for. Your future, not your past. We just need you to be honest about it.
We don't automatically disqualify anyone. We look at your whole situation and willingness to rebuild.
A one-time Community Fund Fee of 1.5x your monthly rent. This is an investment in the fund that guarantees you.
We have payment plans spread over 12 or 24 months. Money should not be the barrier.
You pay rent to us. You have a Success Manager. After 12 months, you get Lifetime Portability and help sealing your record.
Yes. After 12 months on-time, you get Lifetime Portability to any Havenbridge property.
It happens. If they refuse, we help you find another home. We don't abandon you.
Your Future Starts Today
If you're tired of being denied, if you're ready to find a home that sees you for who you are today – not who you were years ago – we're here.
Apply NowQuestions? tenants@projecthavenbridge.com
projecthavenbridge.com/tenants
1201 N Market St STE 111-O60, Wilmington, Delaware, United States