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< Rental Opportunities The Hudson House 104 Front St. 36 Units Mineola, NY 11501 Senior Housing (631) 904-0913 hudsonhouse@cdcli.org Application Contact Us Affordable Senior Rental Program Guidelines Last revised May 15, 2023 This document contains the HUDSON HOUSE Program Guidelines. Please read this document carefully as the guidelines set forth will be strictly enforced. Complex and Amenities The Hudson House consists of 36 one and two bedroom age-restricted apartments and is located at 104 Front Street, Mineola NY. All of the units are required to be maintained as income restricted senior rental units. Senior Citizen Occupancy Requirement Occupancy of a unit shall be for residential purposes and shall be limited to persons who are 55 years of age or over, with the following exceptions: A) A husband and wife under the age of 55 years who is residing with his or her spouse who is 55 years of age or over. B) Children and grandchildren residing with their parents or grandparents where one of said parents or grandparents with whom the child or children or grandchild or grandchildren is/are residing is 55 years of age or older, provided that said child or children or grandchild or grandchildren are over the age of 19 years. Proof of age (license, i.d. card, etc.) is required. Income and Rent Restrictions In accordance with the requirements of the Village of Mineola, units will be leased to households with incomes at or below 80% of the HUD Area Median Income for Nassau/Suffolk County, adjusted for family size. Approved rental assistance subsidy will be counted toward minimum income. Income requirements shall be adjusted annually based on HUD Published Area Median Income for Nassau/Suffolk County. Minimum Income Guidelines do not apply to those applicants with an approved rental subsidy. Affordability Period The affordability restrictions stated above will remain in effect in perpetuity at the discretion of the Village of Mineola. Annual Income Recertification. Tenants will be recertified annually in accordance with the income and rent guidelines established above based on the HUD Area Median Income in effect for each year. Leases will contain addendums that outline the requirements for continued eligibility and requirements to recertify annually. Tenant Selection Procedures Step One - Submission of Wait List Application Applications will be processed on a first come, first serve basis and may only be submitted online. Mailed or hand delivered applications will not be accepted. Applications will be accepted via CDLI''s website (this page).. Applicants will be placed on a wait list in the order in which their application is received. Applications will be automatically dated and time stamped for submission and included in a database. Applicants will be notified of their waitlist rank number by CDLI. CDLI will contact applicants in ranked order to determine formal eligibility for a unit. Step Two - Preliminary Eligibility Review As applicant’s names are reached on the Waitlist, CDCLI will contact applicants in ranked order, by email, if available, or by phone. If an applicant remains interested, the applicant will be asked to submit a Formal Rental Application, together with required documentation that will include Proof of age for all household members* last 2 years of federal income tax returns, W-2 and/or 1099 form; four most recent consecutive pay stubs; three most recent consecutive monthly bank statements for all bank accounts and investment accounts. *The following documents are considered to be reliable for age verification: birth certificate, driver’s license, passport, immigration card, military identification, or any other state, local, national or international documentation, provided it contains current information about the age or birth of the possessor. The applicant will have 5 business days to provide the fully completed Formal Rental Application together with all supporting documentation. If the foregoing is not received by CDCLI within such time period, the applicant will be ineligible and a letter will be sent confirming same. The applicant will also be required to provide certain consents in order to permit CDCLI to verify income submissions and employment, and to permit the Owner/Manager to conduct background checks, credit checks and criminal background checks. The applicant will be required to submit a one-time fee of $20 per person with the Formal Rental Application to cover the cost of credit and background checks. Income will include all gross income, including, but not limited to, income from full and part time employment, overtime, bonuses, tips, pensions, social security, 401k and IRA distributions, child support, alimony, and severance pay. ALL sources of income are included and will be annualized for the upcoming 12-month period. Total income minus allowable exclusions, if any, cannot exceed the maximum income limits. Once a full review of the Formal Rental Application has been completed, the applicant will be notified by email, if available, or by regular mail of their status. If the applicant is deemed eligible, their application will be forwarded to the Owner/Manager for final review and assessment pursuant to Step 3 below. If an applicant is deemed ineligible, they will be advised of the reason and be allowed 5 business days to address or correct the deficiency. If received in a timely manner, the information will be reviewed by CDCLI and the applicant advised of eligibility or ineligibility by email, if available, or by regular mail. If determined to be ineligible, no further review will be conducted. The process set forth in Step 2 will continue until applicants for all 3 of the affordable units have executed a Lease Agreement with the Owner/Manager as described in Step 3 below. Step Three - Tenant Suitability Screening The third step in the process is for the Owner/Manager to conduct a final eligibility review for those applicants deemed preliminarily eligible pursuant to Step 2 above. As applicants are deemed eligible pursuant to Step 2 above, the applicant’s information will be forwarded by CDCLI to the Owner/Manager who will conduct the suitability screening review. This will involve assessing the applicant’s suitability for tenancy through employment verification, leasing history, creditworthiness, and criminal background checks utilizing a reputable company and adhering to the Fair Credit Reporting Act. Applicants will also be required to show that they are able to provide first month’s rent and a security deposit. Applicants who are successfully screened will be offered the opportunity to enter into a written Lease Agreement. The process above will be repeated until three fully eligible applicants are identified and enter into a Lease Agreement with the Owner/Manager. Commitment to fair housing & Nondiscrimination The Owner/Manager is fully committed to enforcing the spirit and the letter of Title VIII of the Civil Rights Act of 1968 (Federal Fair Housing Law), the Fair Housing Amendments Act of 1988, the Americans with Disabilities Act, the New York Human Rights Act, and the Suffolk County Human Rights Act. Neither the Owner/Manager nor any of its affiliates, employees, agents, or brokers will discriminate in the sale, lease, advertisement or financing of housing against any individual or family because of race, color, national origin, religion, gender, disability, gender identity, marital status, sexual orientation, veteran/military status, source of income, or on the basis of any other protected class except familial status in accordance with HOPA exemption for housing for older persons. Reasonable Accommodations/Modifications for Persons with Disabilities Persons with disabilities are entitled to request a reasonable accommodation in rules, policies, practices or services, or to request a reasonable modification in the housing, when such accommodations or modifications may be necessary to afford such persons an equal opportunity to use and enjoy the housing. Reasonable accommodations will be offered to all disabled persons who request accommodations due to disability at any time during the application, resident selection and leasing process. Additional Terms Applicants are advised that the Owner/Manager maintains Policies and Procedures governing the complex and its tenants. Fair Housing Laws will be followed. CDCLI staff is available to assist with the application, and answer questions about eligibility requirements. If you have any questions regarding the guidelines or need language assistance including translation and/or oral interpretation services, please call CDLI at (631) 904-0913 or email hudsonhouse@cdcli.org before applying. Application Contact Us

Home How We Can Help Town of Babylon Home Improvement Program No-interest & deferred payment loans to homeowners in the Town of Babylon Details The Town of Babylon Home Improvement Program (the “Program”) provides no-interest, deferred payment loans to qualified low to moderate-income homeowners in the Town of Babylon. The purpose of the Program is to improve housing conditions and correct housing code violations by repairing and rehabilitating health and safety hazards, including lead-based paint removal. The maximum loan is up to $50,000, which may be higher if lead-based paint removal is required. There is no interest. Monthly payments are not required. The loan will be evidenced by a Note and Mortgage that will be recorded against the property with the Suffolk County Clerk. Recording fees will be added to the loan amount. Contact Info Phone: (631) 471-1215 ext. 1020 Email: homeimprovement@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. Take Action

Home How We Can Help Access to Home Program Home accessibility options for individuals with disabilities Details CDLI’s grant program services the homes of Long Islanders requiring accessibility renovations. Our Access to Home program provides home accessibility modifications to income-qualified homeowners with a disability or those living with a family member who has accessibility needs. These home improvements are designed to sustain one’s independence and safety within the household. Designated spots are reserved for Medicaid recipients. ​ Home modifications may include: Ramps, lifts, handrails, expanded doorways, & stair glides Kitchen & bathroom modifications Roll-in showers, grab bars & seat Special thermostatic & environmental controls Requirements Complete the following forms and then start your application online. Guidelines: Access-to-Home-Guidelines-8.14.20 .pdf Download PDF • 735KB Consent Letter: Repair-Consent-Letter-Access-RESTORE .pdf Download PDF • 150KB Trustee Letter: Repair-Consent-Letter-Trustee .pdf Download PDF • 151KB Acknowledgment Form: Acknowledgement .pdf Download PDF • 151KB Verification of Non-filing Letter: Verification-of-Nonfiling .pdf Download PDF • 74KB Contact Info Phone: (631) 471-1215 ext. 1020 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. Take Action Apply

Home How We Can Help Plus One ADU Program Grants for homeowners in Babylon, Shelter Island, and Southampton for accessory dwelling unit construction Details 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, 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. 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 below the current Nassau/Suffolk Area Median Income (AMI) based on family 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] Applications are now available! Please click below to apply. Contact Info Phone: (631) 471-1215 Email: PlusOneADU@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. Take Action

Home How We Can Help Foreclosure Intervention Contact CDLI before it's too late 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. Reach out today. Contact Info Phone: (631) 471-1215 ext. 1580 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. Take Action

Home How We Can Help Reverse Mortgage Have your equity help pay for your everyday high expenses Details Many seniors have significant home equity that could be used to help pay for everyday high expenses or medical bills. 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. Requirements Receive counseling before taking out this loan Contact Info Phone: (631) 471-1215 ext 1580 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. Take Action Contact Us

Home How We Can Help Housing Choice Voucher (Landlords) Providing affordable housing in our communities while receiving timely and dependable rental payments Details The Housing Choice Voucher (HCV) program (previously referred to as Section 8) assists families and individuals to afford decent, safe, and sanitary housing in the private market. The participant is free to choose any housing that meets the requirements of the program, including single-family homes, townhouses, and apartments, and is not limited to units located in subsidized housing projects. Once the tenant and landlord sign a lease, the tenant's family typically contributes 30%-40% of their income towards rent and utilities, and the HCV program pays the remainder directly to the landlord. CDLI is the Local Administrator for the New York State Homes & Community Renewal (HCR) Housing Choice Voucher program on Long Island and select rental properties in Brooklyn, NY. Benefits of Being an HCV Participating Property Owner: You will get timely and dependable payments from the Public Housing Authority (PHA) Participating, compliant landlords will receive timely and dependable housing assistance payments (HAP) each month once the HAP contract and lease are signed. Payments are made directly into the property owner’s account, no worries about lost checks or late payments. Potential for limited unit turnover The average HCV participant remains in a unit for 7-8 years. You will get your full rental payment When an HCV tenant’s income permanently changes, the portion of rent paid by the PHA and the tenant is adjusted to reflect this change. This provides financial protection to landlords in that if an HCV tenant’s income decreases, there is a process for the PHA to pay a larger portion of the rent to the landlord so the landlord continues to receive a full rental payment. You will receive regular inspections Some landlords appreciate the routine inspections because they provide an opportunity to check on the condition of the unit. This can result in identifying maintenance needs that may have otherwise gone unnoticed for some time. Landlords that own or manage properties across wide geographies in particular tend to appreciate the value in having a routine, objective inspection of their rental units. Please note property owners of subsidized units are required to comply with all relevant state and local codes in addition to HQS requirements. If a property owner has units in a municipality where rental permits are required, it is expected that property owners obtain and maintain compliance with all applicable rental permit requirements. CDLI may, upon request, require submission of documentation to demonstrate rental permit or other state/local code compliance. You may request annual reasonable rent increases Compliant landlords may request a rent increase at the annual anniversary of the HAP contract by written notice to the PHA. You can help low-income elderly, disabled, and veteran households, as well as families with children by providing affordable housing More than 50 percent of vouchers serve elderly or non-elderly disabled families. About 45 percent of vouchers assist single-parent families. Learn more about participating in the HCV Program: Information about the benefits and myths about being an HCV Property Owner: English Spanish Steps to become an HCV Participating Property Owner: English Spanish Existing HCV Property Owners If you are a landlord and have a listing you would like to add to our Housing Resource Booklet that is shared with tenant participants, fill out our form here: https://cdcli.tfaforms.net/4866568 Payment Standards and Rent Increase Information The resources below provide information regarding potential rental rates and rent increases for units participating in the HCV program. Please read through the HCV Program Payment Standard and Rental Increase Guidance document to assist in determining potential rent or opportunities for rental increases. They can be found here: https://cdli.org/housing-choice-voucher-tenants#payment-standards-and-rent-increase Making Moves The Making Moves program provides housing mobility coaching and financial assistance to Housing Choice Voucher (Section 8) families that have children aged 18 or under who are interested in living in well-resourced areas and offers possible additional landlord incentives. Source of Income Discrimination Everyone deserves a place to make their home, including tenants who receive government assistance. A rental applicant cannot be rejected or steered based on their lawful source of income. Learn more here: https://www.homeforallofus.org/source-of-income/ Housing Quality Standards (HQS) Inspections Resources Property owners must maintain compliance with all HQS requirements. Please note property owners of subsidized units are required to comply with all relevant state and local codes in addition to HQS requirements. If a property owner has units in a municipality where rental permits are required, it is expected property owners obtain and maintain compliance with all applicable rental permit requirements. CDLI may, upon request, require submission of documentation to demonstrate rental permit or other state/local code compliance. Below are some resources related to HQS inspections: HQS Form: Form utilized to complete HQS inspections, along with summary information regarding minimum criteria. https://www.hud.gov/sites/dfiles/OCHCO/documents/52580A.PDF HQS Administrative Plan Chapter: Full HQS requirements. https://www.hud.gov/sites/documents/DOC_35620.PDF Most Common HQS Failures: Reviewing your property and correcting for common HQS failures reduces the likelihood of a failed inspection. No Access - The Inspector must have access to the basement and all rooms for inspection. Inspection appointment letters are mailed to tenants ~2 weeks prior to inspection. Please follow up with the tenant to confirm their typical inspection month and/or date. Electrical - Ground Fault Circuit Interrupter (GCFI) outlets are required within 6 ft of water sources (Tubs, sinks, etc.). Outlets must be wired properly (no open grounds, reverse polarity, hot/neutral reverse, etc.). No exposed wiring, missing cover plates, or open gaps in the electrical panel. Inoperable Smoke/Carbon Monoxide Detectors - Smoke detectors are required in each bedroom. Smoke and carbon monoxide detectors are required on each level. Deteriorated and Unstable Paint Surfaces - Peeling, cracking, chipping paint. Security - All doors and windows accessible from outside must lock and be double keyed. Deadbolts not permitted. Cutting Hazards - Broken glass, cracked floor tiles, countertops, protruding nails, etc. Infestations - Presence of roaches, mice, bedbugs, fleas, etc. Utilities - All utilities must be in service. Missing Handrails - Handrails are required for four or more steps. Update your Contact Information Stay connected electronically by providing your email and mobile: https://cdcli.tfaforms.net/4866621 Sign Up for HUD Landlord Newsletters: https://www.hud.gov/subscribe/signup?listname=Landlord&list=LANDLORD-L Contact Info Phone: (631) 471-1215 Email: landlordforum@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. Take Action

Home How We Can Help Septic Replacement Loan Program A low-interest rate loan to update failing septic systems 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 with zero application fees, and zero closing costs is now available to assist with the installation of a Suffolk County approved septic system replacement! This new loan from CDLI is made available in conjunction with the Suffolk County Septic Improvement Program. Under the Suffolk County Septic Improvement Program, homeowners may apply for a grant from Suffolk County to assist with the cost of replacing outdated and failing septic systems with state-of-the-art nitrogen reducing systems designed to reverse decades of damaging nitrogen pollution of ground and surface waters. CDLI will then make its low interest loan available, if the homeowner is in need of additional funds to cover the costs of installing the new system. These loans are made available with NO application fees and NO closing costs. The purpose of the loan is to provide “gap” funds to finance the difference between the Suffolk County grant and the contract amount needed to install the replacement septic system. Loan amounts cannot exceed $10,000. Remember: The purpose of the loan is to provide gap funds to finance the difference between the grant provided by Suffolk County and the contract amount needed to install the septic replacement system (up to $10,000). 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. Take Action

Home How We Can Help Rent-To-Own Program Helping Long Islanders to accomplish homeownership 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 1580 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. Take Action Contact Us

Home How We Can Help Single Family Home Development (SCLBC) Revitalizing neighborhoods and promoting homeownership 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 1580 Email: wachnitz@cdcli.org Disclosure ​ Take Action Sign Up