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601ef05a-f7c9-4652-8179-0c990e9c1701 Home How We Can Help Details CDLI has been selected by New York State Homes and Community Renewal to administer the Residential Emergency Services to Offer Home Repairs to the Elderly (RESTORE) Program in Nassau and Suffolk Counties. Funds are made available through the New York State Housing Trust Fund Corporation. The RESTORE Program provides income-eligible homeowners, 60 years of age and older, the resources to make necessary emergency repairs to address hazardous conditions posing a threat to life, health or safety of the elderly homeowner. Funds are available for repairs up to $20,000 per home. Typical repairs may include: Heating system repairs or replacements Electrical repairs or upgrades Plumbing repairs that pose a health risk such as water supply and septic issues Structural repairs such as deteriorated foundations, roofs, floors, stairs, decks, doorways, etc. Accessibility measures such as ramps, stair lifts, and grab bars Please note that all repairs must address an emergency issue as determined by CDLI. Application Please review and complete the following form: RESTORE Program Application .pdf Download PDF • 251KB Contact Info Phone : (631) 648-5085 Email : restore@cdcli.org Disclosure We are a nonprofit exempt mortgage banker. Loans are arranged through third-party vendors. CDLI Funding Corporation is a Fair Housing and Equal Opportunity lender. Email Your Documents Click Here First Time Home Buyer Event December 14, 2025, 6:00 - 8:00 PM Virtual Webinar Register Now RESTORE Program Emergency repairs for seniors aged 60 and over.

577ba11b-2b8c-4786-9964-3239c6e69c10 Home How We Can Help Details To further CDLI’s mission of increasing investment in neighborhoods, protecting the assets of homeowners, and protecting the environment, a low-interest rate loan product is now available to assist with the installation of a new septic system in homes with failing cesspools! To reverse decades of damaging nitrogen pollution of ground and surface waters on Long Island, this new loan from CDLI is made available to assist with the cost of replacing outdated and failing septic systems with state-of-the-art nitrogen-reducing systems or a lesser-cost hybrid system. CDLI will make its low-interest loan available if the homeowner is in need of additional funds to cover the costs of installing the new system. Loan application fees and closing costs do apply to this product. Loan amounts cannot exceed $10,000. Available for homeowners anywhere on Long Island, near water, or further away in the center. Primarily, those homeowners who do not qualify for the Suffolk County program for Septic Replacement System. This loan product is not available for homeowners who are looking to replace a conventional cesspool with another conventional cesspool system. Loan Guidelines Loans amount: $10,000 per household Houses must be residential single-family or two-family properties, owner or non-owner-occupied. Other type of houses can be considered on a case-by-case basis Property Taxes must be current A credit score of 625 will be used as an underwriting guideline Interest rate: 4% or 6% depending on the percent of the applicant’s household income in relation to the Area Median Income (AMI) UCC-1 filing fee of 50% The maximum loan term is 15 years UCC-1 filing is required to secure the loan Applicant(s) must be the legal owner(s) of the property A signed contract with the contractor is required Loan Fees $120 application fee $125 processing fee 1% origination fee Contact Info Phone : (631) 471-1215 ext. 1510 or 1930 Email : homeloan@cdcli.org Disclosure We are a nonprofit exempt mortgage banker. Loans are arranged through third-party vendors. CDLI Funding Corporation is a Fair Housing and Equal Opportunity lender. See If You Qualify Apply today! Apply Now First Time Home Buyer Event December 14, 2025, 6:00 - 8:00 PM Virtual Webinar Register Now Cesspool/Septic System Replacement & Retrofit Find help on updating your failing cesspool.

dbc3360a-9922-4046-b82b-43008f7d6816 Home How We Can Help Details CDLI’s Voucher Homeownership Program enables existing Housing Choice Voucher participants to accomplish healthy and sustainable homeownership through subsidies and creative financing. Learn more: Families that are currently participating in the Housing Choice Voucher Program administered by CDLI and other housing authorities in Nassau and Suffolk Counties are eligible. Each household is evaluated in accordance with their income so that a maximum of 40% of their monthly gross income goes toward payment of principal, interest, taxes, and insurance payments (PITI). They obtain a mortgage for an amount they can afford through a conventional or FHA-insured lender. The difference between the conventional mortgage amount that the applicant can afford and the purchase price of the home, less the down payment, determines the amount of a second mortgage provided by CDLI’s affiliated Community Development Financial Institution (CDFI). Learn about the requirements and benefits of the program, and how CDLI can help you use your Housing Choice Voucher to accomplish homeownership. Requirements One-month consecutive paystubs (anyone over 18) Two years W-2 forms Proof of any additional income as reported in the application If self-employed, provide three years signed Federal tax returns with all schedules Owners of companies must provide corporate tax returns form (1120/ 1120-S, or 1065) with a Year-To-Date Profit & Loss statement Photo ID for all borrowers and Employee ID or Medical Card Non-refundable loan application fee of $120 Proof of Home Owner’s Insurance CDLI Home Buyers Education Certificate Section-8 Family report Voucher Homeownership Orientation There are no upcoming orientations. Please check back here for updates. Contact Info Phone : (631) 471-1215 ext 5393 Email : homeownershipcenter@cdcli.org Disclosure We are a nonprofit exempt mortgage banker. Loans are arranged through third-party vendors. CDLI Funding Corporation is a Fair Housing and Equal Opportunity lender. See If You Qualify Apply today! Apply First Time Home Buyer Event December 14, 2025, 6:00 - 8:00 PM Virtual Webinar Register Now Voucher Homeownership (VHO) Accomplish homeownership with your Housing Choice Voucher.

18b473dd-a418-4f00-93dc-91f5bc3a97dd Home How We Can Help Details CDLI is your collaborative partner in fostering sustainable, inclusive, and thriving communities. We welcome innovative partnerships with property developers, municipalities, businesses, nonprofits, and any other entity eager to explore new possibilities. CDLI brings expertise in affordable housing, clean energy, financial empowerment, and beyond, offering both established solutions and a willingness to venture into uncharted territories. Together, let's innovate and shape vibrant communities for all. Contact Info Phone : (631) 471-1215 Email : anorris@cdcli.org Disclosure We are a nonprofit exempt mortgage banker. Loans are arranged through third-party vendors. CDLI Funding Corporation is a Fair Housing and Equal Opportunity lender. See If You Qualify Contact Allison Norris Contact Us First Time Home Buyer Event December 14, 2025, 6:00 - 8:00 PM Virtual Webinar Register Now Partner With CDLI Property developers, municipalities, businesses, nonprofits, and those eager to explore new possibilities.

06b68684-1d18-48bb-bb53-ba72fe625d3f Home How We Can Help Details CDLI Housing Development Fund Corporation (“CDLI Housing”) offers a Rent-to-Own Program to help Long Islanders accomplish homeownership. Under this program, we acquire and renovate single family dwellings to high quality standards, including energy efficient and green measures. The properties are offered for rental to Long Islanders who have committed to accomplishing homeownership within the next three years. To achieve homeownership, tenants are required to participate in our Homeownership Center’s Financial Fitness Health and Wealth Program as well as complete a Homebuyer Education course. These programs are designed to assist participants in improving their credit rating, building their savings, and becoming eligible for mortgage financing. There are currently no homes available under this program, check back regularly for updates. Contact Info Phone : (631) 471-1215 ext 5393 Email : homeownershipcenter@cdcli.org Disclosure We are a nonprofit exempt mortgage banker. Loans are arranged through third-party vendors. CDLI Funding Corporation is a Fair Housing and Equal Opportunity lender. See If You Qualify Contact us! Contact Us First Time Home Buyer Event December 14, 2025, 6:00 - 8:00 PM Virtual Webinar Register Now Rent-To-Own Program Helping Long Islanders to accomplish homeownership.

0f852a61-4aef-47f3-abbf-8e3172395acc Home How We Can Help Details The Targeted Home Improvement Program (T-HIP) is a pilot grant program administered by CDLI in the Village of Hempstead . This program aims to provide critical repair assistance to financially constrained homeowners, enabling them to build and retain equity while contributing to the stabilization and renewal of the community. Funds have been made available through New York State Homes & Community Renewal. These home improvements are designed to prolong the useful life of each home as well as increase the dwelling’s health, safety, and sustainability. Funding will be used to support critical repairs, including health and safety improvements, correction of code violations, accessibility modifications, environmental remediation, and other repairs determined by CDLI as necessary to extend the useful life of the home and allow the homeowner to remain safely in their residence and age in place. Funds are available based on need and the individualized requirements of each household that applies. The maximum amount that can be invested in a property is $40,000, though not every home will receive the maximum amount. CDLI attempts to assist as many households as funding will allow. For this program, we intend to serve approximately 110 households. Typical repairs may include, but are not limited to: • Heating System Replacements • Electrical Service Upgrades • Roof Replacements • Siding • Gutters • Energy Efficiency Measures • Windows & Doors • Handrails, Stoops, Walkways • Structural Corrections • Health & Safety Measures These improvements help Hempstead homeowners maintain safe, accessible homes whether addressing immediate repair needs or planning to age in place. Application T-HIP Application 2025 10 .pdf Download PDF • 1.57MB Contact Info Phone : (631) 904-0985 Email : thip@cdcli.org Disclosure We are a nonprofit exempt mortgage banker. Loans are arranged through third-party vendors. CDLI Funding Corporation is a Fair Housing and Equal Opportunity lender. See If You Qualify Fill out our interest form! Click Here First Time Home Buyer Event December 14, 2025, 6:00 - 8:00 PM Virtual Webinar Register Now Targeted Home Improvement Program Critical repair assistance to financially constrained homeowners in The Village of Hempstead.

f894e34d-bdcf-4570-8ef0-ef27f87b2130 Home How We Can Help Details Preparation for homeownership starts long before the purchase takes place. CDLI will help you to become mortgage-ready by educating you about the buying process, pitfalls to avoid, and available funding opportunities. CDLI can help make your dream become a reality. Buying a home can be challenging especially for a first-timer. Whether you are ready to buy a home right away, or whether you need additional preparation, the team at CDLI will help you through every step of the way! Learn more about our First Time Homebuyer program: Homebuyer Education Classes CDLI offers comprehensive Homebuyer Education (HBE) classes that fulfill the U.S. Department of Housing and Urban Development (HUD) 8-hour requirement. These classes are led by HUD-Certified Housing Counselors and are designed to prepare first-time homebuyers with the knowledge and tools they need to navigate the homebuying process with confidence. What to Expect: Classes are offered both in-person and via Zoom The cost is $50 for the course Participants receive one-on-one counseling following the class A Certificate of Completion is provided, which is often required for down payment assistance or grant programs (e.g., SONYMA) Our classes include guidance from: A HUD-Certified Housing Counselor A loan officer A licensed real estate agent A real estate attorney New Customer? Start Here! Start the registration process here for our First Time Homebuyer course. Click Here to Register Returning Clients Access your account. Already have an account? Click Here to Log In First Time Homebuyer Orientation For an informational session about this program, register for a virtual free First Time Homebuyer Orientation. Contact Info Phone : (631) 471-1215 ext 5393 Email : homeownershipcenter@cdcli.org Disclosure We are a nonprofit exempt mortgage banker. Loans are arranged through third-party vendors. CDLI Funding Corporation is a Fair Housing and Equal Opportunity lender. New Customer? Start Here! Fill out our interest form! Click Here First Time Home Buyer Event December 14, 2025, 6:00 - 8:00 PM Virtual Webinar Register Now First Time Homebuyer Education Take charge of your home-buying journey with the guidance of CDLI.

9089b240-8ecf-47a6-8501-fec9db6940bd Home How We Can Help Details About the Mainstream Voucher Program The Mainstream Voucher Program helps non-elderly people with disabilities and their families access affordable housing through tenant-based rental assistance. If you currently have a Mainstream Voucher or if you are on a waitlist, please create an account with the Mainstream Portal to manage your information and stay connected. For step-by-step instructions and answers to common questions, visit our Mainstream Portal Guide & FAQ . *The Mainstream Voucher Program waitlist is currently closed. Please follow us on our social channels to stay up to date on when the wait list and/or applications open back up Contact Info Email: mainstreamapplicantportal@cdcli.org Access the Mainstream Portal Click Here First Time Home Buyer Event December 14, 2025, 6:00 - 8:00 PM Virtual Webinar Register Now Mainstream Voucher Program Rental assistance for low-income individuals with disabilities to live independently in the community.

1409c442-d19e-403c-83e6-3ff6f366a6f6 Home How We Can Help Details CDLI has partnered with a New York State program that provides renters and homeowners a risk-free way to save 10% or more on their monthly electric bill. Credits are applied to your yearly electric expenses. Why participate? Benefits include risk-free savings. How does it work? Community Power Long Island’s Melville fuel cell farm adds electricity to the PSEG grid. Once you sign up, the utility distributes the energy to you in the form of an on-bill energy credit. Credits are applied to your monthly bill, and you save 10% while paying us only for the credits you use. Spots are limited, so don’t wait to take advantage of this great program, which will bring cleaner, cheaper power to Long Island renters and homeowners. Contact Info Phone : (855) 720-2701 Email : info@communitypowerli.com Disclosure We are a nonprofit exempt mortgage banker. Loans are arranged through third-party vendors. CDLI Funding Corporation is a Fair Housing and Equal Opportunity lender. See If You Qualify Sign up today! Sign up First Time Home Buyer Event December 14, 2025, 6:00 - 8:00 PM Virtual Webinar Register Now Community Power Program Reduce your monthly electric bill by 10%.

a23ebe13-8f72-4470-bca8-a2f314f1454f Home How We Can Help Details Where do you imagine yourself in 5 years? Maybe with a new job? A finished degree? Moving towards home ownership? Whatever your goal is, our Family Self-Sufficiency (FSS) program will get you right on track to achieving those goals. Contact us today! Family Self-Sufficiency is a FREE voluntary program that helps families/individuals with a CDLI Housing Choice Voucher (Section 8) obtain services to become more economically stable and successful. FSS Participants can work on: Job training and career counseling Budget/Financial health and wealth classes Homebuyer education Self-Improvement Now I take on all my bills without stress, learn how to maintain my money and not waste it. Thanks to the program, I will make it in life. ~ Corey Ricks, FSS Graduate Who is eligible? To be eligible, you must: Be an adult member of a household with a Housing Choice Voucher (Section 8 rental subsidy) in good standing with CDLI Be motivated to become more economically self-sufficient Be willing to sign a Contract of Participation (COP) and participate actively in service coordination with your FSS team member FSS Provides One-one case management; emotional support and encouragement Links to community services Resources-packed online quarterly newsletter Possible cash savings: based on increases in household earned income, also known as Escrow Potential for Voucher Homeownership Escrow Savings Account Escrow is an incentive for FSS families to increase your earned income. It’s an interest-bearing account established by New York State on behalf of the FSS family where deposits are made throughout the duration of the family’s participation in the FSS program if and when their rent increases as a result of increased earned income by anyone in the FSS family. If the participant who signed the Contract of Participation (“Head of FSS family”) successfully completes the program, they are provided with the money saved. If they meet good standing guidelines, the Head of FSS family can request up to half of what they have earned in escrow at any point during their program participation to support needs related to their Service Plan goals. Completing the Contract of Participation The FSS Contract requires that the family comply with the lease. NEW as of August 2022: All FSS family members (not just the Head of FSS family who elected to participate in FSS and signed the Contract) are welfare-free at the time the FSS contract is completed, and that the Head of the FSS family seek and maintain suitable employment. You must have suitable employment in place by your Contract end date to graduate from FSS and receive any escrow you have accrued. The family successfully completes the FSS Program when it fulfills all its obligations under the Contract of Participation on or before the expiration of the contract term. The FSS program helped me maintain a positive outlook on life and continue to make goals as well as accomplish them. It is a strong support system that helped me overcome many issues on my way to self-sufficiency. I have since graduated with my Associates and Bachelor's degree in Graphic Design. ~ Crystal Marquez, FSS Graduate 2023 Nassau and Suffolk FSS Stats: CDLI Winter 2026 FSS Newsletter (English): Winter 2026 FSS News .pdf Download PDF • 2.09MB CDLI Winter 2026 FSS Newsletter (Spanish): Winter 2026 FSS News in Spanish .pdf Download PDF • 1.87MB Contact Info Phone : Nassau County applicants: (631) 565-7859 Phone : Suffolk County applicants: (631) 590-8307 Email : Nassau County applicants: cpapp@cdcli.org Email : Suffolk County applicants: pveliz@cdcli.org Disclosure We are a nonprofit exempt mortgage banker. Loans are arranged through third-party vendors. CDLI Funding Corporation is a Fair Housing and Equal Opportunity lender. See If You Qualify Complete an interest form today! Complete Form First Time Home Buyer Event December 14, 2025, 6:00 - 8:00 PM Virtual Webinar Register Now Family Self-Sufficiency (FSS) Where do you see yourself in 5 years? FSS can help you set and achieve your goals!