New fintech startup is helping renters become homeowners with no credit score


Salt Lake City – Ready Life, the new fintech platform disrupting the mortgage industry, announced a partnership with Tampa-based American Landmark Apartments, one of the nation’s largest multi-family owner-operators, to create a new path to homeownership for underrepresented homebuyers and help close the wealth gap in the United States by helping renters become homeowners with no credit score.

Founded by Ashley D. Bell, a corporate finance attorney and former White House policy advisor for entrepreneurship and innovation, alongside Dr. Bernice A. King, daughter of the late Dr. Martin Luther King, Jr., Ready Life is a revolutionary mortgage model that relies on a good rental payment history to qualify buyers for a home purchase. Consumers who pay their rent on time using the Ready Pay debit card will qualify for mortgage loans without a credit score review.

American Landmark, which has hundreds of multi-family communities across the United States, will make the Ready Life platform available to its approximately 34,000 resident customers. To celebrate the collaboration, American Landmark and Ready Life are donating 1,000 tickets to high school and college students to attend the annual HBCU Orange Blossom Classic on September 4 in Miami, of which Ready Life is the presenting sponsor on ESPN.

“There are over 17 million renters in America who could potentially buy their own home, but the current credit scoring system offers more hurdles than pathways,” shares Ready Life founder and CEO Ashley D. Bell. “When we hit our stride, the Ready Life platform will completely revolutionize the US home lending system by moving away from credit score models and replacing the system with one focused on repayment capacity. We are thrilled to team up with American Landmark to provide a clear path that helps renters across the country realize their dream of homeownership.

Joe Lubeck, CEO of American Landmark, believes that the partnership with Ready Life is a definite added value for their residents. “American Landmark is honored to introduce our residents to an innovative new path to homeownership through Ready Life,” says Lubeck. “Ready Life is leading the market in creating significant opportunities for generational wealth creation through its payment systems and non-credit rated mortgages. Families who begin their journey with us in an apartment can continue their journey to homeownership through Ready Life. It’s the American dream, and it’s cause for celebration.

Ready Life is the presenting sponsor of the Orange Blossom Classic (OBC), which features the football and fanfare powerhouses of the HBCU Florida A&M University Rattlers and Jackson State University Tigers. This historic game has long been considered HBCU’s national championship – and to allow young students of color to attend this year – American Landmark and Ready Life have teamed up to purchase 1,000 tickets for high school and college students. Tickets will be distributed exclusively by community stakeholders, local leaders and alumni associations of both universities.


American Landmark Apartments is one of the fastest growing multifamily owner-operators in the United States and ranks 35th on the National Multifamily Housing Council’s list of the nation’s top apartment owners with approximately 34,000 apartments in his wallet. Based in Tampa, Florida, American Landmark specializes in the acquisition and management of value-added multifamily properties located in high-growth Sunbelt markets including Arizona, Georgia, Florida, North Carolina , South Carolina, Tennessee and Texas. American Landmark is committed to providing excellent service and exceptional living environments to residents and to delivering consistent and attractive risk-adjusted returns to investors and partners. For more information, visit


Ready Life is an innovative fintech platform with a suite of financial tools that empower individuals to create and preserve generational wealth. With Ready Life Mortgage, customers who pay their rent on time using the Ready Pay digital account can qualify for a mortgage, with no credit score required. Ready Life’s products and services empower those who are not adequately served by current financial systems and empower individuals to improve their lives through everyday actions. Ready Life is founded by former White House Policy Advisor for Entrepreneurship and Innovation and Corporate Finance Lawyer, Ashley D. Bell – alongside Dr. Bernice King – the daughter of the late Dr. Martin Luther King, Jr. Visit to register and secure a place online to apply for a Ready Life account that can lead to home ownership.


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