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11 First Avenue < Rental Opportunities Mill House Apartments 11 First Avenue 20 Units Application Contact Us Mill House Apartments Applications open at 9AM on January 3rd, 2025. First-come, first served/ on-line application Affordable Rental Housing Program Guidelines THIS DOCUMENT CONTAINS THE MILL HOUSE PROGRAM GUIDELINES. PLEASE READ THIS DOCUMENT CAREFULLY AS THE GUIDELINES SET FORTH WILL BE STRICTLY ENFORCED. Community Development Long Island (CDLI) , in partnership with 161 East, LLC (Owner/Manager) , is pleased to announce that it is accepting applications to establish a list of potential applicants for 4 newly constructed affordable rental units located within Mill House. CDLI staff is available to assist with any questions you may have on the program and the application process. Please feel free to call (631)904-0913 or email at Millhouse @cdcli.org Applications will be processed on a first-come, first-serve basis beginning at 9AM January 3, 2025. Applications will be available ONLY online at www.cdli.org . DO NOT deliver applications in any other manner such as by mail or hand-delivery as they will NOT be accepted. Mill House Mill House is a 20-unit rental development located at 11 First Avenue, Bay Shore, New York. Four (4) of the units are designated to be affordable units within the income and rent parameters set forth below. Mill House consists of one 4-story elevator building with onsite parking available for an additional fee. Each unit comes equipped with stainless steel appliances, quartz countertops, central heat and air and in unit washer/dryers. Community amenities include a lounge space for residents. Income and Rent Restrictions In accordance with the requirements of the Town of Islip Town Board, the four (4) affordable units will be initially leased to households with incomes at or below 80% of the HUD Area Median Income for Suffolk County as adjusted for family size. Maximum income and rent limits for studio units will be based on family size of 1, one bedroom units will be based on family size 2, and two bedroom units will be based on family size of 3 in accordance with Town requirements. At annual recertification, the maximum allowable income shall not exceed 100% of the then applicable HUD Area Median Income for Suffolk County as 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 Limits for Nassau/Suffolk County. Minimum Income Guidelines do not apply to those applicants with an approved rental subsidy. Based on the above, the initial maximum and minimum income limits and rents for the 4 affordable units at Mill House are as follows: UNIT SIZE FAMILY SIZE MONTHLY RENT** TOTAL GROSS ANNUAL INCOME RANGE @ 80% HUD AMI Minimum* Maximum Studio 1 $2,045 $73,629 $87,450 2 $2,045 $73,629 $87,450 1 Bedroom 1 $2,319 $83,475 $99,950 2 $2,319 $83,475 $99,950 2 Bedroom 2 $2,578 $92,817 $112,450 3 $2,578 $92,817 $112,450 4 $2,578 $92,817 $112,450 * Minimum Income Guidelines do not apply to those applicants with an approved rental subsidy. **Includes utility allowance calculated using TOI PHA utility schedule. Not including any mandatory or optional charges for other services. Utilities Tenants are required to pay utilities as follows: Heat – Electric Cooking – Electric Air-conditioning – Electric Hot water – Electric Electric Cable Internet Telephone INITIAL TENANT SELECTION PROCEDURES General process Eligibility for a unit involves three steps: (1) Timely submission of a completed Application; (2) Review by the Owner/Manager for tenancy including credit checks, backgrounds checks, employment and leasing history; and (3) Timely submission of additional information required necessary to assess program eligibility for tenancy including income, tax returns, and related documentation. STEP ONE – SUBMISSION OF WAIT LIST APPLICATION Applications will be processed on a first-come, first-served basis and may only be submitted on-line beginning at 9AM January 3, 2025. DO NOT deliver applications in any other manner such as by mail or hand-delivery as they will NOT be accepted. To submit the electronic application, go to CDLI’s website at www.cdli.org and click on the link for Mill House Application. 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. Inclusion on the Waitlist represents only the first step for initial compliance and does not guarantee preliminary approval or eligibility for a unit. STEP TWO – TENANT SUITABILITY SCREENING As applicant’s names are reached on the Waitlist , CDLI 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 photo ID for all household members above the age of 18. CDLI will refer applicants to Owner/Manager to complete a Rental Application . A $20 application fee is required to be paid by all applicants over the age of 18 by credit or debit card online. Owner/Manager eligibility review 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. A personal interview may also be conducted by the Owner/Manager. 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 referred back to CDLI for program eligibility review. STEP THREE – PROGRAM ELIGIBILITY SCREENING As applicants are deemed eligible pursuant to Step 2 above, CDLI will notify applicants via email to submit required documentation that will include (2) last 2 years of federal income tax returns, W-2 and/or 1099 form; (3) four most recent consecutive pay stubs, current Social Security Award letter, retirement statements, etc. (4) if applicable, approved subsidy housing assistance information/voucher (3) three most recent consecutive monthly bank statements for all bank accounts and investment accounts. The applicant will have 5 business days to provide all supporting documentation. If the foregoing is not received by CDLI 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 CDLI to verify income submissions and employment. 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. Applicants who are successfully screened will be offered the opportunity to enter into a written Lease Agreement. Criminal Background Search A criminal background check will be conducted. There are two mandatory reasons why an applicant WILL be denied tenancy based on their criminal background: (1) applicant or any member of the household has been convicted for methamphetamine production; or (2) applicant or any member of the household is a lifetime registrant on a State or Federal Sex Offender database. In addition, Owner/Manager will assess applicants with criminal convictions and pending arrests for offenses that (1) involved physical danger or violence to persons or property or (2) that adversely affected the health, safety and welfare of other people. These categories of crimes are relevant because they relate to the behavior expected of a tenant, who is to live peaceably alongside other tenants and to respect their property. An individualized assessment will be conducted and a determination made which may result in an applicant being denied. Credit History A credit report will be obtained on each applicant. Applicant must have a satisfactory credit history of meeting financial obligations, including timely payment of rent. Applicants cannot have been late on rental payments in the last 12 months. Outstanding judgements, collections, a history of late payments, and criminal history may be a cause for ineligibility. A minimum credit score of 650 is required. Credit history, outstanding judgements, collections, bankruptcy filing, a history of late payments, and criminal history are reviewed on a case-by-case basis. Annual Income Recertification. Tenants will be recertified annually in accordance with the guidelines established for affordability. Tenants will be provided with an affordable unit recertification checklist and acknowledgement at time of lease up which details income recertification requirements. At annual recertification, the maximum allowable income shall not exceed 100% of the then applicable 80% of HUD Area Median income for Suffolk County as adjusted for family size. If tenant income exceeds maximum income required for the affordable units, the tenant may continue to occupy the unit but rent will be adjusted to market rent. In the event a unit previously designated as affordable is converted to market rent, the next available unit will be designated as affordable in conformance with the requirements stated within these Program Guidelines. Affordability Period The affordability restrictions stated above will remain in effect in perpetuity at the discretion of the Town of Islip Town Board. WAITLIST The Intake Waitlist will convert to a permanent waitlist once the 4 affordable units are leased-up. When vacancies occur, the first eligible applicant on the waitlist will be contacted to inform him/her that a unit is available at the preferred mode of contact as indicated on the Waitlist Intake Form. Three attempts will be made to inform the applicant before proceeding to the next applicant on the list; all attempts will be documented. If the applicant is no longer interested, the application will be removed from the waitlist with an explanation for the reason for the removal from the waitlist. Interested applicants will have 5 business days to provide a completed Formal Rental Application, together with the required documentation as set forth above in order to conduct income certification, employment verification, creditworthiness, and background checks as described in Step 2 and Step 3 above. 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. 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. Compliance with the Violence Against Women Act (“VAWA”) As applicable, Owner/Manager will adhere to the VAWA final rule that prohibits denial of tenancy or eviction as a result of an incident of domestic violence, dating violence, sexual assault, or stalking that is reported and confirmed. ADDITIONAL TERMS Applicants are advised that the Owner/Manager maintains Policies and Procedures governing the complex and its tenants. Owner /Manager 161 East LLC Telephone Number: 631-666-4040 Affirmative Fair Housing Marketing Contact Community Development Long Island 1660 Walt Whitman Road, Suite 130 Melville, NY 11747 Contact Person: Donna Schrimpe Telephone Number: (631) 904-0913 Email Address: Millhouse@cdcli.org

35 Broadway < Rental Opportunities The 35 Broadway Apartments 35 Broadway 18 Units Application Contact Us THIS DOCUMENT CONTAINS THE 35 BROADWAY PROGRAM GUIDELINES. PLEASE READ THIS DOCUMENT CAREFULLY AS THE GUIDELINES SET FORTH WILL BE WILL BE STRICTLY ENFORCED. Community Development of Long Island, Inc. (CDLI), in partnership with ARC Property Management Group, LLC (Owner/Manager), is pleased to announce that it is accepting applications to establish a list of potential applicants for two workforce rental units located within 35 Broadway. CDLI staff is available to assist with any questions you may have on the program and the application process. Please feel free to call (631)904-0913 or email at 35Broadway@cdcli.org Applications will be processed on a first-come, first-serve basis. Applications will be available ONLY online at www.cdli.org . DO NOT deliver applications in any other manner such as by mail or hand-delivery as they will NOT be accepted. 35 Broadway 35 Broadway consists of 18 studio and two bedroom apartments and is located at 35 Broadway in Hicksville, NY. Two of the units are required to be maintained as income restricted Workforce Housing Rental Units. The two Workforce Housing Rental Units consist of 2 two-bedroom units. Income and Rent Restrictions The gross household annual income of occupants for the Workforce Housing Rental Units cannot exceed 120% of the HUD Area Median Income (HUD AMI) for Nassau County, adjusted for family size. Minimum incomes are required by the Owner/Manager in order to ensure that occupants are not paying more than 35% of their gross annual income on housing expenses (rent plus a utility allowance). Based on the above, the current maximum and minimum income limits and rents for 35 Broadway Apartments are as follows: * 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 commensurate with the Term of the Lease Agreement between the Owner/Manager and the Nassau County Industrial Development Agency. Utilities Cost of the following utilities is included in the workforce unit rent amount listed above: Heat – Electric Cooking – Electric Hot water – Electric Electric Cable Internet Telephone 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. Initial Tenant Selection Procedures General process Eligibility for a unit involves three steps: (1) Timely submission of a completed Application; (2) Timely submission of additional information required necessary to assess preliminary program eligibility for tenancy including income, tax returns, and related documentation; and (3) Final review by the Owner/Manager for tenancy including credit checks, backgrounds checks, employment and leasing history Step One – Submission of Wait List Application Applications will be processed on a first-come, first-served basis and may only be submitted on-line. DO NOT deliver applications in any other manner such as by mail or hand-delivery as they will NOT be accepted. To submit the electronic application, go to CDLI’s website at www.cdli.org and click on the link for 35 Broadway Application. 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. Inclusion on the Waitlist represents only the first step for initial compliance and does not guarantee preliminary approval or eligibility for a unit. Step Two – Preliminary Eligibility Review During this step, CDLI will conduct a pre-screening to verify the applicant’s income (both maximum and minimum), and household size for program eligibility. This will require the applicant provide certain documentation outlined below. (1) last 2 years of federal income tax returns, W-2 and/or 1099 form; (2) four most recent consecutive pay stubs; (3) three most recent consecutive monthly bank statements for all bank accounts and investment accounts. (4) consent for CDLI to share applicant’s income documentation with G2D The applicant will have 5 business days to provide the above referenced documents. If the foregoing is not received by CDLI 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 CDLI to verify income submissions and employment. 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 gross household income cannot exceed the maximum income limits. Once income verification has been completed, the applicant will be notified, by email, if available, or by regular mail of their status. If the applicant is deemed income eligible, they will be referred to the Owner/Manager to complete Step 3. Step Three – Rental Application/Tenant Screening If the applicant is deemed income eligible, they will be referred to the Owner/Manager to complete a Formal Rental Application with the Owner/Manager. The Owner/Manager will review the formal Rental Application and conduct a screening review. This will involve assessing the applicant’s suitability for tenancy and adhering to the Fair Credit Reporting Act and Fair Housing Laws. Waitlist The Intake Waitlist will convert to a permanent waitlist once the 2 affordable units are leased-up. When vacancies occur, the first eligible applicant on the waitlist will be contacted to inform him/her that a unit is available at the preferred mode of contact as indicated on the Waitlist Intake Form. Three attempts will be made to inform the applicant before proceeding to the next applicant on the list; all attempts will be documented. If the applicant is no longer interested, the application will be removed from the waitlist with an explanation for the reason for the removal from the waitlist. Interested applicants will have 5 business days to provide a completed Formal Rental Application, together with the required documentation as set forth above in order to conduct income certification, employment verification, creditworthiness, and background checks as described in Step 2 and Step 3 above. 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, familial status or presence of children in a household, or on the basis of any other protected class. 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. More detailed information on the Owner/Managers policies and procedures is available at https://g2dgroup.com/hicksville/35-broadway/ . Affirmative Fair Housing Marketing Contact Community Development Long Island, Inc. 1660 Walt Whitman Road, Suite 130 Melville, NY 11747 Telephone Number: (631) 904-0913 Email Address: 35broadway@cdcli.org

aac4e078-24db-4314-a4a4-a929bed26c0e Home How We Can Help Details In collaboration with Home HeadQuarters, a nonprofit entity based in Syracuse, NY, CDLI offers loan packaging for potential buyers looking to acquire a manufactured home. CDLI staff will educate potential applicants on the loan process and take their applications. Home HeadQuarters’ staff will process and underwrite the loan. 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. Contact us! Contact Us Manufactured Home Loan packaging for acquiring a manufactured home.

Looking to be a part of Long Island's housing improvement and sustainability efforts? Complete our Vendor Qualification Form for Contractors now. For Contractors Vendor Qualification Form In our efforts to support housing development and housing sustainability, we aim to connect residents of Long Island to licensed and vetted contractors for their home improvement needs. Residents may seek to make basic repairs, up grade an electrical system, have an emergency repair, or remodel their kitchen. MWBEs are highly encouraged to apply. If you are interested in qualifying to bid on contracts, please complete the Contractor Qualification Form, and let's keep Long Island beautiful. Apply Plus One ADU Program Our Plus One Accessory Dwelling Units (ADU) program is an initiative to create and improve ADUs. You can learn more about the program here. If you'd like to partner with us and be a designer/builder/contractor to build ADUs, please contact us: Phone: (631) 364-5646 Email: PlusOneADU@cdcli.org Contact Single & Multi-Family Development Opportunities CDLI has a long history of partnering on single and multi-family development. Municipalities and/or developers interested in discussing such development opportunities should feel free to reach out to discuss further. Contact Us

75a8e2c3-1ee6-44a3-b193-5a3bab86bba6 Home How We Can Help Details 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 incentives. (English Version) (Spanish Version) Every family deserves all the opportunities Long Island has to offer. We are committed to supporting your housing search and moving you into the community of your choice. Click here to view The Long Island Opportunity Lookup tool. Take Action Contact Info Phone: 631-597-0742 Email: makingmoves@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. Fill out our interest form. Interest Form Making Moves Provides housing mobility coaching and financial assistance to Housing Choice Voucher families.

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. Take Action Contact Info Phone: Call/Text 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. If you wish to apply to one of our senior resident services units, visit; Brookview Commons Deer Park Woodcrest Estates, Port Jefferson Station Pinehurst A Conifer, and Conifer Village 1 & 2, East Patchogue Or For current residents of Brookview Commons, Woodcrest Estates, Pinehurst A Conifer, Conifer Village 1, or Conifer Village 2: Contact Senior Resident Services Coordinator Grace Sidorowicz graces@cdcli.org 631-436-1892 (call or text) Contact Us Senior Resident Services Confidential individual social services, and group programs.

a23ebe13-8f72-4470-bca8-a2f314f1454f Home How We Can Help Details Where do you imagine yourself in 5 years? Maybe with a new job? A finished degree? Moving towards home ownership? Whatever your goal is, our Family Self-Sufficiency (FSS) program will get you right on track to achieving those goals. Contact us today! Family Self-Sufficiency is a FREE voluntary program that helps families/individuals with a CDLI Housing Choice Voucher (Section 8) obtain services to become more economically stable and successful. FSS Participants can work on: Job training and career counseling Budget/Financial health and wealth classes Homebuyer education Self-Improvement Now I take on all my bills without stress, learn how to maintain my money and not waste it. Thanks to the program, I will make it in life. ~ Corey Ricks, FSS Graduate Who is eligible? To be eligible, you must: Be an adult member of a household with a Housing Choice Voucher (Section 8 rental subsidy) in good standing with CDLI Be motivated to become more economically self-sufficient Be willing to sign a Contract of Participation (COP) and participate actively in service coordination with your FSS team member FSS Provides One-one case management; emotional support and encouragement Links to community services Resources-packed online quarterly newsletter Possible cash savings: based on increases in household earned income, also known as Escrow Potential for Voucher Homeownership Escrow Savings Account Escrow is an incentive for FSS families to increase your earned income. It’s an interest-bearing account established by New York State on behalf of the FSS family where deposits are made throughout the duration of the family’s participation in the FSS program if and when their rent increases as a result of increased earned income by anyone in the FSS family. If the participant who signed the Contract of Participation (“Head of FSS family”) successfully completes the program, they are provided with the money saved. If they meet good standing guidelines, the Head of FSS family can request up to half of what they have earned in escrow at any point during their program participation to support needs related to their Service Plan goals. Completing the Contract of Participation The FSS Contract requires that the family comply with the lease. NEW as of August 2022: All FSS family members (not just the Head of FSS family who elected to participate in FSS and signed the Contract) are welfare-free at the time the FSS contract is completed, and that the Head of the FSS family seek and maintain suitable employment. You must have suitable employment in place by your Contract end date to graduate from FSS and receive any escrow you have accrued. The family successfully completes the FSS Program when it fulfills all its obligations under the Contract of Participation on or before the expiration of the contract term. The FSS program helped me maintain a positive outlook on life and continue to make goals as well as accomplish them. It is a strong support system that helped me overcome many issues on my way to self-sufficiency. I have since graduated with my Associates and Bachelor's degree in Graphic Design. ~ Crystal Marquez, FSS Graduate 2023 Nassau and Suffolk FSS Stats: CDLI Fall 2024 FSS Newsletter (English): Winter 2025 FSS News .pdf Download PDF • 2.99MB CDLI Fall 2024 FSS Newsletter (Spanish): Winter 2025 FSS News Spanish .pdf Download PDF • 2.93MB Take Action Contact Info Phone: Nassau County applicants: (631) 565-7859 Suffolk County applicants: (631) 212-1332 Email: Nassau County applicants: cpapp@cdcli.org Suffolk County applicants: aruoppoli@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. Complete an interest form today! Complete Form Family Self-Sufficiency (FSS) Where do you see yourself in 5 years? FSS can help you set and achieve your goals!

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 Take Action Contact Info Phone: (631) 471-1215 ext. 1510 or 1930 Email: homeloan@cdcli.org Disclosure Please note that all repairs are determined after a comprehensive home evaluation has been completed by one of CDLI’s Rehabilitation Specialists. Apply today! Apply Now Cesspool/Septic System Replacement & Retrofit Find help on updating your failing cesspool.

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 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 $131,300 $150,000 $168,700 $187,400 $202,400 $217,400 $232,400 $247,400 To see a list of eligible improvements through this program, click here . Take Action Contact Info Phone: (631)-251-8171 Email: lmaldonado@cdcli.org Disclosure *Program does not permit reimbursement for resiliency measures that have been completed in the past. 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. 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.

Explore rewarding career opportunities as a Housing Educator at our nonprofit organization in Melville, NY. Join us in making a meaningful impact in the community! Career Opportunities Community Development Long Island (CDLI) was founded in 1969 when government, business, and civic leaders on Long Island came together to address the growing demand for affordable housing. That strong tri-sector support continues today. As an exemplary, chartered member of NeighborWorks America, CDLI is a regional and national leader in affordable housing and community development. The organization is committed to high standards of performance and a desire to identify and implement creative ways to solve problems and empower residents in the community. Whether you’re a recent college graduate or a seasoned professional, there’s a wealth of career opportunities at CDLI. We hope you’ll join us! CDLI is proud to be an equal-opportunity organization. We celebrate it, we support it, and we thrive on it for the benefit of our employees, our consumers, and our community. Join our team by applying to our career positions below.