Disclaimer

Purchase Credits

An affiliate of ZeroDown or T. P. Hamilton, Inc. will own title to, and be the sole legal owner of, the home at all times during the monthly payment period. The resident will only become the owner of the home and have any direct equity ownership interest in the home if they elect to exercise the option to purchase the home from the ZeroDown or T. P. Hamilton, Inc. affiliate at the end of the monthly payment period and the purchase transaction is consummated. If you do not exercise the option to purchase the home, or the purchase transaction is not consummated for any reason, then you will receive a payment from ZeroDown based on a predetermined formula (which includes deductions for certain fees, expenses and other amounts), but you will not own any equity in the home or be entitled to share in any appreciation in the value of, or any income generated by, the home.