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How We Can Help Community Development Long Island (CDLI) is the only full-service collection of community development entities: CDLI Parent Corporation; CDCLI Funding Corporation, a Certified Community Development Financial Institution; and CDCLI Housing Development Corporation. CDLI is not just an organization; we are a movement towards long-term economic stability for all. As a Community Development Financial Institution, we function with the high standards of a bank, ensuring responsible and impactful lending. Whether you're seeking a home, looking to invest in your community, or aiming to develop properties that matter, CDLI is here to make dreams of long-term economic stability come true. Empowering individuals, families, and communities to change their lives. Dreamers of Homeownership Dreamers of Homeownership Featured Dreamers of Homeownership Programs Down Payment and Closing Cost Assistance A low-interest rate loan for down payment and closing costs. Learn More Financial Education & Coaching Set and achieve financial goals on the path towards homeownership. Learn More First Time Homebuyer Education Take charge of your home-buying journey with the guidance of CDLI. Learn More Online Homebuyer Education Key concepts surrounding homebuying and homeownership. Learn More All Programs Click on any of the filters below to view the programs that are right for you. CD Financial Institution (CDFI) Dreamers of Homeownership Financial Coaching & Resources Homeowner Resources Property Developers & Owners Tenant Resources Filter by Type Search Reset Access To Home Program Home accessibility options for individuals facing mobility challenges. Learn More Cesspool/Septic System Replacement & Retrofit Find help on updating your failing cesspool. Learn More Emergency Home Repair Loan A loan offering up to $5,000 on emergency home repairs. Learn More Foreclosure Intervention Contact CDLI before it's too late. Learn More Housing Choice Voucher (Landlords) Providing affordable housing in our communities while receiving timely and dependable rental payments. Learn More Long Island Resiliency Retrofits Program: Storm, Flood & Energy Improvements. Get up to $50,000 in grants and low-interest loans to protect your home from floods and storms. Learn More Making Moves for Landlord & Brokers Learn More Online Financial Capabilities Education Understand budgeting, credit and manage personal finances. Learn More RESTORE Program Emergency repairs for seniors aged 60 and over. Learn More Septic Replacement Loan Program A low-interest rate loan to update failing septic systems. Learn More Town of Southampton Down Payment Assistance Program Down payment assistance for first-time homebuyers in The Town of Southampton. Learn More Access to Home for Heroes Home accessibility modifications for veterans with mobility challenges. Learn More Climate Friendly Homes Fund Replacing older systems with all-electric, high-performance heating, cooling, and hot water heating systems. Learn More Family Self-Sufficiency (FSS) Where do you see yourself in 5 years? FSS can help you set and achieve your goals! Learn More Getting your House in Order A culturally specific program aimed to improve African American financial well-being. Learn More Housing Choice Voucher (Tenants) Opportunities to receive rental assistance. Learn More Long Island Zoning Atlas Which zones allow or prohibit different types of housing and more. Learn More Manufactured Home Loan packaging for acquiring a manufactured home. Learn More Online Homebuyer Education Key concepts surrounding homebuying and homeownership. Learn More Rent-To-Own Program Helping Long Islanders to accomplish homeownership. Learn More Single Family Home Development (SCLBC) Revitalizing neighborhoods and promoting homeownership. Learn More Voucher Homeownership (VHO) Accomplish homeownership with your Housing Choice Voucher. Learn More Accessory Dwelling Unit Loan Product (ADU) A low interest rate second mortgage loan product for the construction of an Accessory Dwelling Unit. Learn More Community Power Program Reduce your monthly electric bill by 10%. Learn More Financial Education & Coaching Set and achieve financial goals on the path towards homeownership. Learn More Health Empowerment Alliance of Long Island (HEALI) Medicaid members may qualify for free support services that address housing, health, and home safety needs through CDLI and the HEALI Social Care Network. Learn More Housing Choice Voucher Recertification (Tenants) Annual recertification is required. Learn More Mainstream Voucher Program Rental assistance for low-income individuals with disabilities to live independently in the community. Learn More Moxey Rigby Resident Services Invest in your family's success. Learn More Partner With CDLI Property developers, municipalities, businesses, nonprofits, and those eager to explore new possibilities. Learn More Reverse Mortgage Counseling Access your home equity to cover expenses while aging in place. Learn More Targeted Home Improvement Program (THIP) Free funding for critical repairs in the Village of Hempstead. Learn More Weatherization Assistance Program Energy efficiency measures that reduce costs and improve safety. Learn More Acquisition & Rehabilitation Loan Product This loan has a down payment portion and a rehabilitation portion to acquire and repair a property. Learn More Down Payment and Closing Cost Assistance A low-interest rate loan for down payment and closing costs. Learn More First Time Homebuyer Education Take charge of your home-buying journey with the guidance of CDLI. Learn More Home Improvement Loan Low-interest loan for eligible Long Island homeowners. Learn More Long Island Home Improvement Program Are you finding it difficult to make needed repairs to your home. Learn More Making Moves Program for Housing Choice Voucher Families on Long Island CDLI’s Making Moves helps Section 8 families relocate to high-opportunity Long Island communities with coaching, housing search support, and financial aid. Learn More NYS First Time Homebuyer Grant Program Improving the quality of decent and affordable housing. Learn More Plus One ADU Program Grants for homeowners in Babylon, East Hampton, Shelter Island, and Southampton for accessory dwelling unit construction. Learn More Senior Resident Services Confidential individual social services, and group programs. Learn More Town of Southampton Accessory Dwelling Unit Loan Loan for eligible applicants to help cover construction costs of a new accessory dwelling unit (ADU). Learn More Load More

200d5a2d-7980-43e3-8f66-89438fe3cebe Home How We Can Help Details Get up to $50,000 in grants and loans to make your home more resilient against storms, flooding, and extreme weather while improving its energy efficiency. The funding is split into: Half as a low-interest loan (3% interest rate, 5-10 year repayment term) Half as a grant that doesn't need to be repaid once you complete your loan payments ELIGIBILITY Must be a Long Island homeowner Property must be your primary residence (1-4 unit buildings eligible) Household income at or below 120% of the area median income Property location must be eligible under program guidelines Homeowner must be current on their mortgage and taxes WHAT IMPROVEMENTS ARE COVERED? 50% of the loan/grant proceeds must be used for resiliency measures that will fortify the home to protect against future flood and storm damage. Additional eligible improvements include: Storm protection and weather resilience upgrades Energy efficiency improvements Home electrification projects Climate-ready home systems Improvements must be to the main structure of your home These improvements benefit all homeowners while also helping seniors age safely in their current homes. HOW IT WORKS Choose your own contractor(s) - they must be licensed and insured Work with us to plan eligible improvements Get up to $25,000 as a grant Get up to $25,000 as a 3% interest loan Pay back just the loan portion over 5-10 years ADDITIONAL INFORMATION No minimum credit score required Lender and third party fees do apply: approximately $1,189 – $1,779 Technical assistance provided throughout the process Work must be completed by approved contractors INCOME LIMITS FOR NASSAU AND SUFFOLK COUNTIES Household Size 1 2 3 4 5 6 7 8 Max Annual Income @ 120% AMI $138,500 $158,300 $178,100 $197,900 $213,700 $229,550 $245,350 $261,200 To see a list of eligible improvements through this program, click here . Contact Info Phone : (516) 519-0678 Email : jguerrero@cdli.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. Click Here to Apply Apply Now Long Island Resiliency Retrofits Program: Storm, Flood & Energy Improvements. Get up to $50,000 in grants and low-interest loans to protect your home from floods and storms.

24531bb2-3819-4739-ba77-10fd47d1300a Home How We Can Help Details At CDLI, we are passionate about keeping people in the homes that they have worked so hard to get. The Foreclosure Intervention program is a free program specifically for those who are going through mortgage challenges. A potential foreclosure can happen to anyone, often due to forces out of their control, such as: Loss of a job Unexpected medical expenses Divorce Condo or co-op assessment Tax increase Mortgage rate adjustment Here’s the key: the sooner you come to see us, the better. Our HUD-certified housing counselors can help you navigate the complexities involved with the foreclosure process. There are a wide range of options available to homeowners, including: Creating a personalized action plan Legal referrals for pro bono help CDLI communicating with your lender on your behalf Mortgage modifications for eligible customers Transition options Financial coaching for budgeting and debt issues Our housing counselors explain the process in more detail in the video below:: https://video.wixstatic.com/video/f6effc_0b7be5cace574ce585372b60d04fa541/1080p/mp4/file.mp4 The Foreclosure Intervention program is available for free at no cost to the homeowner. It is sponsored through the New York State Homeowner Protection Program, which is from the Office of the Attorney General. At CDLI, our housing counselors are on your side so you do not have to navigate this complicated process by yourself. You have an advocate in your corner. Requirements: Have a mortgage Have either an anticipation that you'll fall behind on your mortgage or Actually be behind on your mortgage payment New Customer? Start Here! Start the registration process here for our Foreclosure Intervention counseling. Click Here to Register Returning Clients Access your account. Already have an account? Click Here to Log In Contact Info Phone : (631) 471-1215 ext. 5393 Email : homeownershipcenter@cdcli.org Speak with a Housing Counselor Fill out our interest form! Click Here Foreclosure Intervention Contact CDLI before it's too late.

dad47a05-af81-4281-be00-e0fa5a23deb4 Home How We Can Help Details The Climate Friendly Homes Fund (CFHF), administered by The Community Preservation Corporation, provides financing for existing, 5-50-unit buildings in New York State with a focus on replacing older and less energy-efficient systems with all-electric, high-performance heating, cooling, and hot water heating systems. With $250 million in New York State funding, CPC and New York State Homes and Community Renewal aim to finance electrification retrofits in at least 10,000 units of multifamily housing that serve economically disadvantaged communities. These funds will empower small building owners to identify and execute a scope of work to improve the energy efficiency of their buildings and decrease their greenhouse gas emissions. https://www.youtube.com/watch?v=YEhQn6MvO2Y Program Overview Owners of eligible buildings may apply for funds to cover the cost of eligible building upgrades including electrification of heating, cooling, and water heating systems and additional building envelope improvements. Funds may be used for approved retrofit work scope items (see below), as well as certain soft costs. Retrofit Scope of Work items eligible for funding include: Electrical service upgrades HVAC systems replacement with high-efficiency heat pumps Domestic Hot Water replacement with high efficiency heat pumps Additional energy conservation measures to optimize new system performance Systems commissioning Eligibility at a Glance Buildings must have 5-50 residential units, and be located in New York State. Owners of regulated affordable and unregulated multifamily rental buildings in eligible locations may apply; Buildings must currently be subject to a regulatory agreement with a public agency or be located in one of the following locations: Low-Moderate Income Qualified Census Tract as defined by the U.S. Department of Housing and Urban Development Disadvantaged Communities as defined in the New York State Climate Leadership and Community Protection Act. Find out if your building location is eligible: See HUD Qualified Census Tract Areas here and view a map of NYSERDA Disadvantaged Communities Areas here. Lending and Community Partners In order to maximize impact and the reach of the program, CPC has identified like-minded green lending institutions, CDFIs, and other community-based nonprofits to collaborate on the identification and screening of building retrofit opportunities across the State. In addition, local community-based organizations from across the state will provide outreach and originations support to the program. Lending Partners : Enterprise Community Partners and Inclusive Prosperity Capital Community Partners: Better Community Neighborhoods, Inc. (Albany), Community Development Long Island (Long Island), Home Headquarters (Syracuse), Hudson River Housing (Hudson Valley), Kinetic Communities (NYC) NYCHP (NYC), PUSH Buffalo (Buffalo), RUPCO (Hudson Valley) 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 Take Action Apply Now Climate Friendly Homes Fund Replacing older systems with all-electric, high-performance heating, cooling, and hot water heating systems.

41a5a8dd-9ccd-4d34-beea-a3bd99a08d9e Home How We Can Help Details About The Course Getting your House in Order is a 5 week culturally specific financial education course that takes into consideration African Americans’ shared history, culture, beliefs and behaviors around money management to inform the way we have managed our finances in the past and how we will manage it going forward. Learn more about the course: https://www.youtube.com/watch?v=V_WD57vOL6c New Customer? Start Here! Start the registration process here for our Getting Your House in Order course. 🗓️ Next class starts February 5th! Click Here to Register Returning Clients Already have an account? Access your account. Click Here to Log In 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! Take the first step to close the wealth gap! Register Now Getting your House in Order A culturally specific program aimed to improve African American financial well-being.

6c291870-d79d-40e5-b544-b9ad1ca90b34 Home How We Can Help Details A deferred loan for the down payment and post-closing home repairs is available for first-time homebuyers. The goal of this program is to improve the quality of decent, affordable housing for New York and home buyers. Household gross income must be below 120% of the area median income based on family size. The deferred loan/grant can be up to $25,000, $32,500, $40,000, $50,000, or $60,000 based on family size and household income, and the number of repairs needed on the subject property. This is a deferred loan, at 0% interest, with no payments required and a term of 10 years, during which time any refinance or transfer of home title will result in the recapture of funds or request from the homeowner for the subordination of the loan if qualified. The home must be used as the primary residence and the homeowner is required to remain in the home for 10 years, or the loan must be paid back. It is required that 51% of the deferred loan amount must be used for post-closing home repairs. All home buyers are required to complete Community Development Long Island (CDLI) NeighborWorks® HomeOwnership Center HUD approved Home Buyer Education class and counseling. The Home Buyer is responsible for obtaining an Engineer’s report and CDLI rehabilitation staff will assist in identifying the repairs, contract with licensed and insured contractors to get the best pricing, and provide project management and oversight. The home being purchased must be located in Nassau or Suffolk County must be a co-op, condominium, single-family, or legal two-family home, and must be owner-occupied. Grant awards in excess of $50,000 per unit and up to $60,000 per unit must have an occupancy and repayment schedule of no less than 20 years. The deferred loan will be secured with a note and mortgage. The income of all household members is used to determine eligibility. This program is in effect while funding is available. The program may end at any time. Requirements One-month consecutive paystubs (anyone over 18) Three years W-2 forms Proof of any additional income as reported in the application 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 Three months of complete asset statements Home Buyer Education Certificate from CDLI (if available) Photo ID for all applicants Documentation for additional grants funds being used for this transaction 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 Now! NYS First Time Homebuyer Grant Program Improving the quality of decent and affordable housing.

20b6498c-0756-41e7-82fb-29849d8fe6ee Home How We Can Help Details About the Program The Access to Home for Heroes Program provides up to $25,000 in forgivable loan funding for accessibility modifications. The loan is forgiven after three years if the home remains owner-occupied. If the home is sold before that time, repayment is required. This program supports independent living by adapting residential spaces to meet each individual’s needs and helping veterans remain at home rather than moving into institutional care settings. Who Is Eligible To qualify, applicants must meet both of the following criteria: Income Eligibility Household income must be at or below 120% of the area median income (AMI) Household Size 1 2 3 4 5 6 7 8 Maximum Annual Income @120% AMI $138,500 158,300 $178,100 $197,900 $213,700 $229,550 $245,350 $261,200 Disability or Mobility Limitation The applicant must have a physical disability or substantial difficulty performing daily living activities due to aging. Veteran Status Veterans must provide proof of honorable or general discharge from the VA or Department of Defense. Properties may be owner-occupied or rental units, but must be the primary residence of the participant. Eligible Home Modifications Home modifications may include, but are not limited to: Ramps & Lifts Stair Glides Handrails Expanded Doorways Kitchen and Bathroom Modifications Roll-in Showers, Grab Bars, and Seats Driveways, Walkways, & Stoops Special Thermostatic and Environmental Controls Note: All repairs must address an accessibility issue for the program participant. What You Will Need To apply, download and complete the Access to Home for Heroes Application (PDF): Access to Home Heroes .pdf Download PDF • 3.04MB Sample PMD .pdf Download PDF • 97KB Once completed, submit your application and supporting documents by mail, email , or in person to: Community Development Long Island (CDLI) Attn: Access to Home for Heroes Program 1660 Walt Whitman Road, Suite 130 Melville, NY 11747 Required Documentation: Completed application form Photo ID for all property owners Proof of homeownership (deed, tax bill, insurance, or mortgage statement) Doctor’s note confirming disability or mobility limitation Proof of income (tax returns, pay stubs, or benefits statements) Proof of veteran status (DD-214 or VA discharge documentation) Note: Please do not send original documents. Submit copies only, as application materials cannot be returned. If You Need Help If you have questions or need assistance completing your application, we’re here to help. Our staff can guide you through eligibility requirements, required paperwork, and the application process. 📞 (631) 648-5089 📧 Access@cdcli.org Contact Info Phone : (631) 648-5089 Email : access@cdcli.org Disclosure CDLI has been selected by New York State Homes and Community Renewal (HCR) to administer the Access to Home for Heroes Program in Nassau and Suffolk Counties. Funds are made available through the New York State Housing Trust Fund Corporation (HTFC). Email Us Your Documents Email Us Email Us Access to Home for Heroes Home accessibility modifications for veterans with mobility challenges.

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 Rent-To-Own Program Helping Long Islanders to accomplish homeownership.

82179610-7704-4b4b-86e7-d9ed0e476ecb Home How We Can Help Details Senior Resident Services provides confidential individual social services and group programs to older adult residents on-site at four (4) Complexes: Brookview Commons Deer Park Woodcrest Estates, Port Jefferson Station Pinehurst A Conifer, and Conifer Village 1 & 2, East Patchogue At select sites, we conduct initial eligibility certification for prospective tenants. Examples of our services promoting independent living and healthier aging-in-place include: Assistance with filling out applications for programs such as the Supplemental Nutrition Assistance Program (SNAP), the Home Energy Assistance Program (HEAP), and the Housing Choice Voucher (HCV) program for residents who are income-eligible. Referrals to and assistance in obtaining supportive services such as at-home meal delivery, homemaker services, health, nursing, and case management, etc. Help with accessing and understanding information about programs such as Medicare Part D, and answering questions about bills, mail, and other paperwork. Setting up or facilitating group activities such as: Arts-and-crafts workshops Nutrition, health & wellness programming Defensive Driving Socialization activities such as movie screenings, book clubs, etc. NON-RESIDENTS If you are NOT a resident of Brookview Commons, Woodcrest Estates, Pinehurst A Conifer, Conifer Village 1, or Conifer Village 2 and are seeking 55+ independent senior housing in Suffolk County, resources can be obtained through the Suffolk County Office for the Aging at www.suffolkcountyny.gov/aging/How-Do-I (scroll down to Housing section), or call 631-853-8200 and request listings for subsidized and non-subsidized senior housing complexes. Contact Info Phone : 631-436-1892 Email : graces@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 Register Now Contact Us Senior Resident Services Confidential individual social services, and group programs.

8c118add-32b6-4d1e-b79b-7de3856b85bf Home How We Can Help Details Many seniors have significant home equity that could be used to help pay for everyday high expenses or medical bills while continuing to age safely in their current homes. This financial product has received mixed coverage over the years, but in the right situation, it can make a lot of sense to tap into the equity in your home. The HECM program (short for Home Equity Conversion Mortgage) provides a great way to do this. This option allows seniors to access their home's value avoiding the need to sell and relocate. Learn more about our Home Equity Conversion Mortgage: https://www.youtube.com/watch?v=rM0TVaxnicM Requirements Receive counseling before taking out this loan New Customer? Start Here! Start the registration process here for our Reverse Mortgage counseling. Click Here to Register Returning Clients Access your account. Already have an account? Click Here to Log In Contact Info Phone : (631) 471-1215 ext 5393 Email : homeownershipcenter@cdcli.org Disclosure CDCLI Funding Corporation is a Fair Housing and Equal Opportunity Lender, but we do not offer Reverse Mortgages. Homeowners should arrange such loans through a third-party vendor of their choice. New Customer? Start Here! Fill our our interest form! Click Here Reverse Mortgage Counseling Access your home equity to cover expenses while aging in place.