Ready Life’s Homeownership Program is Here!
Because You Are More Than Your Credit Score
Empowering Homeownership, Bridging the Wealth Gap
Start your pre-applicationAbout Ready Life
Ready Life is a financial services platform designed to create pathways for financial independence and homeownership, particularly for underrepresented communities. Leveraging innovative financial products and partnerships, Ready Life empowers individuals to achieve their economic goals without traditional credit score requirements.
Our mission
To democratize financial opportunities, promote economic equity, and remove barriers to homeownership.
Ohio Pilot Program
Ready Life has partnered with local community organizations in Cuyahoga County like the BLO Foundation to bring refurbished and newly built homes to Cleveland, Ohio. These homes are part of our ongoing efforts to provide affordable housing opportunities for low to moderate-income families. As we continue to develop this program, additional homes will become available in the future across the nation.
Financial Literacy is Your Down Payment
At Ready Life, we believe in empowering you with more than just financial products—we provide the tools and education needed to achieve your financial goals. Our program replaces the traditional monetary down payment with comprehensive financial literacy education for you and your household. This approach ensures you and your family are equipped with the knowledge to secure your future and make informed financial decisions.
Homeownership Program Qualifications
Ready Life provides qualifying households the opportunity to purchase a home through an affordable mortgage in Ohio.
Income and Residency Requirements
- Prospective households must be low to moderate income, serving families whose income does not exceed 60% of the area median income as defined by the U.S. Department of Housing and Urban Development.
- Homeowner eligibility and selection are determined at the state and local community levels and may vary between different areas
- Applicants must demonstrate at least 12 months of on-time monthly rental payments of at least $1,000.
- Applicants must not be in active bankruptcy, and any bankruptcies must be discharged greater than 2 years.
- Applicants must not have a foreclosure on record.
- Applicants must be first time homebuyers.
- Applicants must be able to submit current income tax records
Application process
- Pre-applicants will be reviewed by our team.
- Next steps for pre-approved applicants include:
- a video submission
- interviews
Partners and Accredited Investors
Are you an organization or accredited investor interested in investing or collaborating with our homeownership program? Inquire below on how you can assist in our mission of creating first time homeowners!
We're transforming the homeownership landscape by focusing on cash flow instead of credit scores, making homeownership more accessible and achievable.
Meet Our Leaders
Ashley Bell — Ready Life Founder & CEO
Dr. Bernice A. King — Advisory Council Chair
Home ownership is the cornerstone of the American Dream, and the first step in building financial independence
I am thrilled to join the advisory board of Ready Life, an organization that provides an innovative pathway to home ownership, enabling those who have been excluded in the past, to become homeowners.
Montel Williams
AdvisorWhile we have made progress as a society, there is still a lot of work to be done to close the wealth gap.
Home ownership has always been a key driver for families to create and pass on wealth. However, many diverse communities have lacked access to financing, and Ready Life is focused on expanding home ownership.
Sekou Kaalund
AdvisorOwning a home absolutely transforms a family for the rest of their lives and for the loved ones who come down to line. It's time for our people to go from renters to owners.
I joined Ready Life as an advisor because when more of our families own their destiny rather than rent it, we can provide generational economic opportunity, stability and equity to our communities.
Michael Blake
AdvisorI am very proud and honored to serve as an advisor for Ready Life. Having received a second chance myself through clemency/ pardon, I know firsthand what it feels like to gain your freedom.
Ready Life gives families and individuals a second chance and freedom from being judged by a credit score. Their dream of homeownership can now become a reality!
Alice Johnson
AdvisorMy good friend @BerniceKing partnered with @AshleyBellR to launch Ready Life – a mission to create generational wealth
for those not adequately served by the current system. #RacialWealthGap #SouthernCommunitiesInitiative
Robert F. Smith
@RFS_VistaDr. Bernice A. King, Ashley D. Bell To Launch Platform That Offers A Path To Homeownership That Excludes Credit Scores From Eligibility Requirements
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... partnering with Ashley Bell and Bernice King with Ready Life on a mission to give those overlooked by our system a fighting chance at generational weatlh
by creating a pathway to homeownership without the need of credit scores.Go to original post
