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: https://www.youtube.com/watch?v=aJn6SvOJsKs 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 Frequently Asked Questions Do I receive a certificate after the Orientation? The Orientation is an informational session regarding our services with the focus on Homebuyer Education. Although there isn’t any certificate provided to you upon completion of the Orientation, it gives you the opportunity to enroll in our Homebuyer Education Program. You will receive a Certificate of Homebuyer Education upon completion of the 8 hour class and one to one appointment with your Housing Educator. What is the "one to one" appointment? Upon completion of the homebuyer education class, you’ll schedule an appointment to meet with one of CDLI’s knowledgeable Housing Educators to discuss your individual housing goals. This is for your benefit! Ask lots of questions so the Housing Educator can assist you accordingly. During this appointment, the Housing Educator will review your income, assets, credit and budget. They’ll discuss various mortgage programs and grants that may apply to your current housing goals. The Housing Educator will provide you with guidance and resources to assist you as you navigate the homebuying process. At the end of the appointment, you will be provided a detailed action plan with your next steps, a summary of your budget and the homebuyer education certificate. The Housing Educator will follow up with you monthly to see how you’re progressing towards homeownership. How long is the homebuyer education certificate good for? Your homebuyer education certificate is good for one year after the date of your one to one appointment. Is there a fee for the Homebuyer Education? Yes. The class is offered in person or virtually and the fees vary depending on how you take the class. Our in person class is $50.00. We also offer our class via zoom and the fee is the same. There are also two options for you to take the class online. With the online options, you can complete the 8 hour class at your leisure. The online options are either $75.00 or $100.00. What is covered in the Homebuyer Education Class? The class covers what you need to know from the pre-approval to closing and everything in between. Renting vs. buying, budgeting, credit. You’ll learn about the role of a loan officer, realtor, home inspector, homeowner’s insurance agent, and closing attorney. Also covered is emergency preparedness and post closing resources. If you choose our in person class, we have professionals in the field discuss their role. How do grants work? Grants are based on household income, household size and availability. Homebuyer education is typically a pre-requisite just to apply. Most grants must be awarded to you prior to signing contract on a home. They typically cover various regions/areas of Long Island. For example, there may be a grant that covers Nassau County and one that covers Suffolk County. Keep in mind that you should be “homebuyer ready” prior to applying for a grant, meaning that you have a pre-approval. Remember, a grant may cover some of the down payment and closing costs so you’ll need a pre-approval to cover difference. Are grants just for down payment? In addition to grants for down payment, some cover home repairs/renovations. Do I have to repay any grants that I receive? Typically, grants have a “recapture clause", meaning that as you remain in the home, the grant is forgiven over time. For example, if a grant has a 10 year recapture clause, a portion of the grant is forgiven over time. If you sell the house or refinance the mortgage prior to the recapture clause expiring, you may have to pay back some or all of the grant funds received. How do I know which lender to choose for a pre-approval? During your one to one homebuyer education appointment, you will tell your Housing Educator what’s most important. For example, a low interest rate, down payment assistance, or even a lender who caters to borrowers with a lower credit score. Based on what you tell us and our assessment of your mortgage readiness, your Housing Educator will provide you with at least 3 referrals to lenders. You are under no obligation to use them. However, keep in mind that CDLI screens the services of mortgage lenders throughout the year to see who offers the most incentives for 1st time homebuyers. Those are the ones that we have on our list. I'm disabled. Can I purchase a home? Purchasing a home is based on your ability to pay. It’s not based on the source of your income, it’s based on the amount of your income. As long as your income is documented and consistent, in most cases, it can be used to qualify for a mortgage. We say in most cases because ultimately, you’ll have to meet with a mortgage loan officer who will submit your loan application to underwriting. How much money do I need in savings to purchase a home? Typically, you’ll need 3% of the purchase price for down payment and an additional 5% of the purchase price for closing costs. How much income do I need in savings to purchase a home? This depends on other factors, such as the purchase price, down payment, property taxes, homeowner’s insurance, etc. You should also take into consideration how much outstanding debt you owe. For example, if two borrowers have identical income and savings but one borrower has no debt and the other has a car payment, student loans and credit cards, the borrower with the debt will qualify for a lower mortgage amount. First Time Homebuyer Orientation Click the link below to watch our free, virtual First-Time Homebuyer Orientation video. This informational session provides an overview of the program and what to expect as you begin your homebuying journey. Watch Orientation Video 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 Contact Info Phone : (631) 471-1215 ext 5393 Email : homeownershipcenter@cdli.org New Customer? Start Here! Fill out our interest form! Click Here First Time Homebuyer Education Take charge of your home-buying journey with the guidance of CDLI.

fe2ef4bd-e560-4b63-ab35-ff89e44f7cbd Home How We Can Help Details In collaboration with the Suffolk County Landbank Corporation (SCLBC) and the New York State Attorney General’s Office, SCLBC purchases abandoned and foreclosed homes and CDLI rehabilitates them to a high-quality standard. CDLI then makes them available for sale to qualified first-time home buyers. Our goal is to revitalize Long Island neighborhoods and to promote homeownership. Guidelines Suffolk County Landbank Program Guidelines Pautas del Programa de Suffolk County Landbank Contact Info Phone : (631) 471-1215 ext 1550 Email : wachnitz@cdli.org See If You Qualify If you are interested in finding out about housing opportunities, sign up below! Sign Up Single Family Home Development (SCLBC) Revitalizing neighborhoods and promoting homeownership.

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Explore CDLI's impactful journey through the years with our Annual Reports. Witness our commitment to excellence, innovation, and sustainability in action. Impact and Results Home matters for all. It's our place of respite and refuge. It's where memories are created and dreams are born. The importance of home is monumentally more than a structure and profoundly more impactful personally and within our communities. This is why CDLI is committed to supporting all things home as a platform to build strong communities and drive economic development. CDLI has been working for more than half a century to provide housing and economic success to Long Islanders and our communities. 2024 Community Impact Annual Report Welcome to CDLI's Annual Reports. In the pages that follow, we invite you to embark on a journey through our organization's achievements, milestones, and strategic insights. We reflect on each year and are proud to share our continued commitment to excellence, innovation, and sustainability. These reports encapsulate our unwavering dedication to our stakeholders and our communities. Join us as we delve into the highlights of each year; celebrating our accomplishments and envisioning a brighter future together. 2023 Report 2022 Report 2021 Report 2020 Report 2019 Report 2018 Report 2017 Report 2016 Report Download 2021's Annual Report Download 2020's Annual Report Download 2019's Annual Report Download 2018's Annual Report Download 2017's Annual Report Download 2016's Annual Report Download 2022's Annual Report Download 2023's Annual Report Play Video Share Whole Channel This Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing 01:43 Play Video Now Playing 01:31 Play Video Now Playing 02:06 Play Video

See required documentation for Plus One ADU - Shelter Island. CDLI REQUIRED DOCUMENTATION FOR PLUS ONE ADU APPLICATION - Shelter Island Residents I. Proof of Ownership A. Property Deed: Copy of Property Deed with Schedule A (Property Description). If applicant’s name is not on deed AND/OR one or more of the owners listed on deed is deceased, please contact CDLI to determine additional or alternate acceptable proof of ownership. II. Proof of Residency A. For owner occupants: Proof of Residency/Owner Occupancy- Select (a) or (b) and (c) from the items below: a) Driver's license or Non-Motorized Identification Card b) Voter Registration – registered voters can upload a screenshot of their voter registration confirmation from https://voterlookup.elections.ny.gov c) Copy of current utility bill in homeowner’s name (electric, natural gas, water, sewer, cellphone, cable) B. For owners listed on deed who are not occupants of the home (if applicable): 1. Notarized letter of non-residency and consent to application by resident III. Proof of Income for Household Members A. Working Individuals: Wages (if applicable) a) Copies of last three (3) consecutive pay stubs b) Last year of State and Federal Income Tax Returns, summary pages only (IRS Form 1040 and NYS IT201) 2. Self-Employment (if applicable) a) Last 2 years of State and Federal Income Tax Returns, summary pages and Schedule C (IRS Form 1040 and NYS IT201) 3. Other Sources of Income (if applicable) a) Social Security/SSI/SSD/TANF/Unemployment/Workers' Comp/VA Benefits — Copy of most recent Award Letter from applicable agency. b) Pension/Retirement — Copy of current letter/printout from company c) Alimony/Child Support — Court papers or support collection printout d) If any of the following is a regular source of income, please provide a current statement from your bank, brokerage firm, insurance company, or other applicable entity: (1) Interest (2) Dividends (3) Insurance Proceeds (4) Estates (5) Trusts 4. Bank Statements - Copy of (2) most recent consecutive bank statements from Checking and/or Savings accounts B. Non-Working Individuals: 1. Last year of State and Federal Income Tax Returns if applicable, summary pages only (IRS Form 1040 and NYS IT201) 2. Other Sources of Income (if applicable) a) Social Security/SSI/SSD/TANF/Unemployment/Workers' Comp/VA Benefits — Copy of most recent Award Letter from applicable agency. b) Pension/Retirement — Copy of current letter/printout from company c) Alimony/Child Support — Court papers or support collection printout d) If any of the following is a regular source of income, please provide a current statement from your bank, brokerage firm, insurance company, or other applicable entity: (1) Interest (2) Dividends (3) Insurance Proceeds (4) Estates (5) Trusts 3. Bank Statements - Copy of (2) most recent consecutive bank statements from Checking and/or Savings accounts *Zero Income Form - All household members residing at the home who do not have any income, will be asked to fill out a zero-income certification form.

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Privacy Policy Last Updated: March 25, 2026 Community Development Long Island (“CDLI,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the information you share with us. This Privacy Policy explains what information we collect, how we use it and how it may be shared. Information We Collect We may collect personal information when you: Complete forms on our website Request housing counseling or program assistance Sign up for email updates or communications Contact us by phone, email or through our website Information collected may include: Name Email address Phone number Mailing address Household or housing information related to program eligibility Any other information you choose to provide when requesting services We may also collect limited technical information through our website, such as IP address, browser type and pages visited. How We Use Your Information CDLI uses the information you provide to: Respond to requests for information or services Provide housing counseling and foreclosure prevention assistance Determine eligibility for programs and services Communicate with you regarding your request or application Improve our website and outreach efforts We collect only the information necessary to provide services or respond to your inquiry. How Your Information May Be Shared Your information is kept confidential and is used to provide services or respond to your request. Information may be shared: With CDLI housing counselors and program staff assisting with your request or case With government agencies or program partners when required for program eligibility, funding requirements or reporting When required by law CDLI does not sell or rent personal information to third parties. Website Analytics and Cookies Our website may use cookies and similar technologies to help us understand how visitors use the site and improve the user experience. These tools may collect limited technical information such as IP address, browser type and pages visited. We may use third-party services including: Google Analytics Advertising platforms such as Meta (Facebook and Instagram) Online form platforms used to collect program inquiries These services may use cookies or similar technologies to help measure website activity and outreach performance. You may control or disable cookies through your browser settings. Disabling cookies may affect certain features of the website. Data Security CDLI takes reasonable administrative, technical and physical measures to protect the personal information you provide. While no system can guarantee complete security, we work to safeguard your information against unauthorized access or disclosure. External Links Our website may contain links to other websites for additional information or resources. CDLI is not responsible for the privacy practices or content of external websites. Your Choices You may choose not to provide personal information through our website. However, some services or program requests may require certain information in order to respond or determine eligibility. If you have questions about the information we may have collected from you, please contact us. Contact Information If you have questions about this Privacy Policy or how your information is used, please contact: Community Development Long Island (631)-471-1215 1660 Walt Whitman Rd, Suite 130 Melville, NY 11747

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. Apply Now to Get Started 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.

See required documentation for Plus One ADU - East Hampton. CDLI REQUIRED DOCUMENTATION FOR PLUS ONE ADU APPLICATION - East Hampton Residents I. Proof of Ownership A. Property Deed: Copy of Property Deed with Schedule A (Property Description). If applicant’s name is not on deed AND/OR one or more of the owners listed on deed is deceased, please contact CDLI to determine additional or alternate acceptable proof of ownership. II. Proof of Residency A. For owner occupants: Proof of Residency/Owner Occupancy- Select (a) or (b) and (c) from the items below: a) Driver's license or Non-Motorized Identification Card b) Voter Registration – registered voters can upload a screenshot of their voter registration confirmation from https://voterlookup.elections.ny.gov/ c) Copy of current utility bill in homeowner’s name (electric, natural gas, water, sewer, cellphone, cable) B. For owners listed on deed who are not occupants of the home (if applicable): 1. Notarized letter of non-residency and consent to application by resident III. Proof of Income for Household Members A. Working Individuals: Wages (if applicable) a) Copies of last three (3) consecutive pay stubs b) Last year of State and Federal Income Tax Returns, summary pages only (IRS Form 1040 and NYS IT201) 2. Self-Employment (if applicable) a) Last 2 years of State and Federal Income Tax Returns, summary pages and Schedule C (IRS Form 1040 and NYS IT201) 3. Other Sources of Income (if applicable) a) Social Security/SSI/SSD/TANF/Unemployment/Workers' Comp/VA Benefits — Copy of most recent Award Letter from applicable agency. b) Pension/Retirement — Copy of current letter/printout from company c) Alimony/Child Support — Court papers or support collection printout d) If any of the following is a regular source of income, please provide a current statement from your bank, brokerage firm, insurance company, or other applicable entity: (1) Interest (2) Dividends (3) Insurance Proceeds (4) Estates (5) Trusts 4. Bank Statements - Copy of (2) most recent consecutive bank statements from Checking and/or Savings accounts B. Non-Working Individuals: 1. Last year of State and Federal Income Tax Returns if applicable, summary pages only (IRS Form 1040 and NYS IT201) 2. Other Sources of Income (if applicable) a) Social Security/SSI/SSD/TANF/Unemployment/Workers' Comp/VA Benefits — Copy of most recent Award Letter from applicable agency. b) Pension/Retirement — Copy of current letter/printout from company c) Alimony/Child Support — Court papers or support collection printout d) If any of the following is a regular source of income, please provide a current statement from your bank, brokerage firm, insurance company, or other applicable entity: (1) Interest (2) Dividends (3) Insurance Proceeds (4) Estates (5) Trusts 3. Bank Statements - Copy of (2) most recent consecutive bank statements from Checking and/or Savings accounts *Zero Income Form - All household members residing at the home who do not have any income, will be asked to fill out a zero-income certification form.

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