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549a49bb-0d1e-4199-ba4c-352173a23ccc Home How We Can Help Details A low-interest rate loan, for down payment and closing cost assistance, is available for first-time homebuyers to avoid Private Mortgage Insurance (PMI) and whose income is no greater than 120% of the area median income (AMI) based on family size (see chart below). The loan may be for up to $75,000 and is subject to program underwriting guidelines. Funds from CDLI can be combined with borrowers’ own funds for up to 20% financing to avoid PMI. Eligible borrowers must have a commitment for a fixed rate first mortgage through a NYS-approved lender. All borrowers are required to complete CDLI’s NeighborWorks Home Buyer Education Program. The interest rate is fixed (4%, 4.25%, & 4.5%), set according to loan size, and subject to change. The maximum term of the loan cannot exceed the term of the first mortgage financing. The home must be owner-occupied, and the property type must be a co-op, condominium, single-family, or legal two-family located in Nassau or Suffolk County. The purchase price cannot exceed $500,000. Total combined loan-to-value (including all sources of secondary financing) must not be greater than 105% of the appraised value. All loans will be secured with a mortgage, and the income of all household members will be used to determine eligibility. There is a $120 nonrefundable application fee. Requirements First-time Homebuyer Income must be no greater than 120% of the area median income based on family size Have a commitment for a fixed rate mortgage through a NYS-approved lender The homeowner must occupy the home The property must be a co-op, condominium, single-family, or legal two-family located in Nassau or Suffolk County Purchase price at or under $500,000 Total combined loan-to-value (including all sources of secondary financing) must not be greater than 105% of the appraised value Pay a $120 nonrefundable application fee AMI is established by HUD and changes every year. If you believe your household income is over the threshold when accounting for family size, please do not make your own individual underwriting decision. Please call our office to talk to a loan officer. Take Action Contact Info Phone: (631) 471-1215 ext. 1510 or 1930 Email: homeloan@cdcli.org Disclosure CDLI Funding Corporation is a Community Development Financial Institution, certified by the U.S. Treasury Department. CDLI is recognized by NeighborWorks America as an “exemplary organization.” We are a HUD approved housing counseling agency and a chartered member of NeighborWorks America. Apply today! Apply Down Payment and Closing Cost Assistance A low-interest rate loan for down payment and closing costs.

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. 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) Take Action 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 Apply Now Climate Friendly Homes Fund Replacing older systems with all-electric, high-performance heating, cooling, and hot water heating systems.

1020 Prospect Ave. < Rental Opportunities Cathedral Place 1020 Prospect Ave. 36 Units Application Contact Us

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. 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. Learn more about our Home Equity Conversion Mortgage: Requirements Receive counseling before taking out this loan Create Your Account Here. Take Action 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. Create Your Account Click Here Reverse Mortgage Have your equity help pay for your everyday high expenses.

1 Brookwood Lane < Rental Opportunities Conifer Village 1 Brookwood Lane 174 Units Application Contact Us

54 Railroad Avenue, Suite A < Rental Opportunities Copiague Commons 54 Railroad Avenue, Suite A 90 Units Application Contact Us

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: First Time Home Buyer Orientation For an informational session about this program, register for a virtual free First Time Homebuyer Orientation. First Time Homebuyer Orientation April 21, 2025, 6:30 – 8:30 PM| Virtual Webinar Register Now Create Your Account If you are ready to jump into your education, create an account to view our programs and register for classes. Take Action 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. Create Your Account Click Here First Time Home Buyer Take charge of your home-buying journey with the guidance of CDLI.

62600 North Road < Rental Opportunities Vineyard View 62600 North Road 50 Units Application Contact Us

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

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 Create Your Account If you are ready to jump into your education, create an account to view our programs and register for classes. Take Action 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. Create Your Account Click Here Foreclosure Intervention Contact CDLI before it's too late.