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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 Mainstream Voucher Program Rental assistance for low-income individuals with disabilities to live independently in the community.

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and surface waters on Long Island, this new loan from CDLI is made available to assist with the cost of replacing outdated and failing septic systems with state-of-the-art nitrogen-reducing systems or a lesser-cost hybrid system.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 Cesspool/Septic System Replacement & Retrofit Find help on updating your failing cesspool.

ae3e70c3-7b84-42ac-87a8-5d4710096f0c Home How We Can Help Details eHome America is an online home buyer education class where you will learn how to: shop for a home; secure a mortgage; and maintain your home. Class fee is $100. Register now for America’s Premier Online Homebuyer Education. The Framework homebuyer course qualifies as the homebuyer education requirement for most local and national mortgage loan products and first-time homebuyer programs that require education. Learn what can you afford; how to fix or improve your credit; how to choose a realtor; how to shop for the best mortgage; the mortgage process; roles of the professionals involved in most home purchases; home inspection basics; and the closing process. Educate yourself for smart homeownership with Framework. Class fee is $75.00 Click Here and register Requirements Requirements are unique to each of the online learning tools listed 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 Online Homebuyer Education Key concepts surrounding homebuying and homeownership.

e10ab74c-6b39-4e1f-845c-97ed56ec8f08 Home How We Can Help Details CDLI has been selected by New York State Homes and Community Renewal to administer the Access to Home and Access To Home For Medicaid Recipients Program in Nassau and Suffolk Counties. Funds are made available through the New York State Housing Trust Fund Corporation. The Access To Home Program provides assistance to make residential units accessible for those living with physical mobility challenges. The program helps individuals with mobility challenges live safely and independendtly at home, whether due to disability, injury, or aging, avoiding the need for institutional care. Eligible properties can be owner-occupied homes or rental units but must be the primary residence of the participant. Designated spots are reserved for Medicaid recipients. All improvements and adaptations are based on meeting the individualized needs of the occupants requiring the modifications following an evaluation completed by one of CDCLI’s experienced Rehabilitation Specialists. Funds are available for accessibility modifications up to $25,000 per household. 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 Walkways, Driveways, & Stoops Special thermostatic and environmental controls Please note that all repairs must address an accessibility issue for the program participant. Whether you're managing a disability or planning to age in your current home, these modifications help you maintain independence and safety. Application Please review and complete the following form: ATH Application .pdf Download PDF • 1.84MB Access to Home Heroes .pdf Download PDF • 3.04MB Contact Info Phone : (631) 648-5089 Email : access@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 Us Your Documents Email Us Access To Home Program Home accessibility options for individuals facing mobility challenges.

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:: 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 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 Foreclosure Intervention Contact CDLI before it's too late.

2898237f-be51-4ac7-a567-87101e0b5dac Home How We Can Help Details CDLI has been selected by New York State Homes and Community Renewal to administer an Affordable Home Ownership Development (AHOD) Home Improvement Program in Nassau and Suffolk Counties. Funds are made available through the New York State Affordable Housing Corporation. The Long Island Home Improvement Program provides income-eligible households the resources to make necessary repairs that will correct basic structural defects or repair basic building systems that threaten, or if not corrected could threaten, the health and safety of the dwelling’s residents. These home improvements are designed to prolong the useful life of each home as well as increase the dwelling’s health, safety, and sustainability. Funds are available based on need and on meeting the individualized needs of each household that applies. CDLI attempts to assist as many households as funding will allow. Due to the high demand for this program, there is currently a waitlist of approximately 2 years. Typical repairs may include but are not limited to: Heating System Replacements Electrical Service Upgrade Roof Replacement Siding Gutters Energy Efficiency Windows & Doors Handrails, Stoops, & Walkways Structural Correction Health & Safety Measures Requirements Application: HIP Application .pdf Download PDF • 2.82MB Contact Info Phone : (631) 648-5083 Email : lihip@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 Us Your Documents Email Us Long Island Home Improvement Program Are you finding it difficult to make needed repairs to your home.

eb544b3b-a71b-4a8e-ab95-d91ca6a1e0f3 Home How We Can Help Details The type of repairs that are covered include, but are not limited to: Hot water heater Heating system Roof repair (due to leak) Wind damage (due to storm) Tree removal Termite treatment or damage Broken window(s) Removal of an oil tank Chimney repair Basement leaks Requirements Home Repairs up to $5,000 for emergency repairs Must be owner-occupied single-family homes Household income cannot exceed 120% of the Area Median Income for Long Island 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 Contact us! Contact Us Emergency Home Repair Loan A loan offering up to $5,000 on emergency home repairs.

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 : (631)-251-8171 Email : lmaldonado@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. 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.

c6c55488-2f5a-4157-a8e4-b646ba628f61 Home How We Can Help Details Financial Fitness, Health, & Wealth Our Financial Fitness, Health, & Wealth course is an approach to foster behavioral changes that will affect families over the long term, allowing them to set and reach financial goals. Learn more by attending our education classes that take place over 4 sessions. Financial Fitness graduates have the option to enroll in Financial Coaching and receive one-on-one long-term guidance. Participants are empowered to create a personal, workable family budget, establish a savings plan, and address credit issues. CDLI’s Financial Coach leverages knowledge and skills learned in Financial Fitness, Health, & Wealth to help individuals determine their own needs and abilities to reach their goals. Learning how to budget and save are the key skills taught in our financial fitness class. Homeowners and renters are taught how to modify spending behavior, reduce debt, increase savings, and repair credit blemishes. There is a $25 Registration/Credit Report Fee per person. Course topics include: Basic Banking, Money Management, and Savings, Establishing Good Credit, Steps to Repair Your Credit, and Consumer Awareness & Predatory Lending. Learn more about Financial Fitness, Health, & Wealth: Contact us today to create an account and learn more about our services. Requirements There is a $25 Registration fee Returning Clients Access your account. Already have an account? Click Here to Log In New Customer? Start Here Start the registration process here for our Financial Education and Coaching services. Start Registration 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 Start the registration process here for our Financial Education and Coaching services. Start Registration Financial Education & Coaching Set and achieve financial goals on the path towards homeownership.

4b310cab-6070-4cd2-b2b4-95fb6965489d Home How We Can Help Details Shelter Island residents – Plus One ADU grant application is now open – See if you qualify HERE ! Attention Babylon, Southampton, and East Hampton residents – Plus One ADU grant application is currently closed. Please check back here for updates. Accessory Dwelling Units (ADUs) are secondary housing units on a single-family residential lot. ADUs benefit homeowners, renters, and the community by creating more housing options while maintaining the character of single-family residential suburban and rural communities. For homeowners, a code-compliant ADU can provide an additional source of income, flexibility for multi-generational housing, and an increase in property value. CDLI has been selected by New York State Homes and Community Renewal to administer the new Plus One ADU Program in the Town of Babylon, East Hampton, Shelter Island, and Southampton. The Plus One ADU Program provides a full-service program to support low- and middle-income single-family homeowner occupants who wish to: Build a new accessory dwelling unit on their property OR Improve an existing ADU that needs to be brought into compliance with code requirements. Click here for Plus One ADU Program FAQs Income Guidelines Household Size 1 2 3 4 5 6 7 8 Household Maximum Annual Income $138,495 $158,280 $178,065 $197,850 $213,678 $229,506 $245,334 $261,162 Program Highlights Up to $125,000 in grant funding including project management costs per ADU constructed. Program support includes ADU design, permitting, and construction costs including oversight and closeout. Household annual income must be at or below the current Nassau/Suffolk Area Median Income based on household size.[1] Homeowners and renters must maintain year-round residency and keep the property in good condition and repair for 10 years or until the sale of the property[2] Requirements What documents do I need to apply? Babylon Residents click here East Hampton Residents click here Shelter Island Residents click here Southampton Residents click here Design Guidelines Babylon Residents click here East Hampton Residents click here Shelter Island Residents click here Southampton Residents click here [1] Currently $197,850 for a household of 4. [2] In the event of the sale of property or non-compliance, the amount of grant funds will be subject to repayment in accordance with a simple annual declining balance, based on the ten-year regulatory period. Contact Info Phone : (631) 364-5646 Email : PlusOneADU@cdcli.org See If You Qualify Our Team will contact you after reviewing your interest form! Submit Interest Form Plus One ADU Program Grants for homeowners in Babylon, East Hampton, Shelter Island, and Southampton for accessory dwelling unit construction.