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Hudson River Housing, Inc.Northside Homeownership ProgramDear Applicant:We are pleased that you are interested in pursuing a homeownership opportunity through HudsonRiver Housing’s NeighborWorks Homeownership Center of Dutchess County (NHC-DC). Pleasereview the information in this packet to see our latest homeownership offerings. The followingproperties are available for sale: Construction is slated to begin in the fall of 2021 and occupancy isexpected in Fall of 2022.31 Pershing Avenue, Poughkeepsie85 Smith Street, Poughkeepsie101 Thompson Street, PoughkeepsieIn order to be considered for participation in this homeownership program you will be required tosubmit evidence supporting your income eligibility. Household income cannot exceed 90% of theArea Median Income. Please refer to the chart below to determine your eligibility.You must also submit evidence of your first-time homebuyer statusAll applicants must demonstrate the ability to obtain a satisfactory mortgage through the submission ofa pre-approval letter from a qualified lender.1. INCOME ELIGIBILTIY:In order to be considered eligible, an applicant’s maximum total household income is limited byfederal guidelines and cannot exceed 90% of the Dutchess County Area Median Income (AMI),adjusted for household size. Current maximum income limits, according to household size, are asfollows: These income limits are subject to change annually.Household Size90% AMI123456 70,830 81,000 91,080 104,130 109,260 117,360The actual household size is determined by the number of verifiable household members who will beoccupying the home. All credit and income will be verified, and all income must be accounted for.Northside Homeownership ProgramPage 1 of 3

2. FIRST-TIME HOMEBUYER:To qualify for consideration, you must be a first-time homebuyer, as defined below.The term “first-time homebuyer” means an individual and his or her spouse/partner who have notowned a home during the 3-year period prior to purchase of a home with assistance under theguidelines offered in this application with the following exceptions: Any individual who is a displaced homemaker may not be excluded from consideration asa first-time homebuyer under this paragraph on the basis that the individual, while ahomemaker, owned a home with his or her spouse or resided in the home owned by thespouse.Any individual who is a single parent may not be excluded from consideration as a firsttime homebuyer under this paragraph on the basis that the individual while married, owneda home with his or her spouse owned a home with his or her spouse or resided in the homeowned by the spouse; andAn individual shall not be excluded from consideration as a first-time homebuyer underthis paragraph on the basis that the individual owns or owned, as a principal residenceduring such 3-year period, a dwelling unit whose structure is:––Not permanently affixed to a permanent foundation in accordance with local orapplicable regulations, orNot in compliance with state, local, or model building codes or other applicablecodes, and cannot be brought into compliance with such codes for less than thecost of constructing a permanent structure.3. REQUIRED EDUCATION:Successful applicants must attend a first-time homebuyer education program as provided byNeighborWorks HomeOwnership Center of Dutchess County (NHC-DC). The program will coverimportant aspects of the home-buying process, owning a home, and maintaining a home. In addition,successful applicants must complete a landlord training workshop, also offered by NHC-DC. Thisworkshop will provide vital information regarding the rights and responsibilities of the landlord. Foradditional information, please contact Lashonda Denson, 454-5176 X 6024. MORTGAGE PRE-APPROVAL FROM QUALIFIED LENDER:All applications must be accompanied by a pre-approval letter from a qualified real estate lender. Theletter must stipulate that all credit checks and income and debt verifications have been completed.Please refer to the attached list of recommended lenders. These lenders are familiar with our programsand can offer you guidance in completing your application.Northside Homeownership ProgramPage 2 of 3

PLEASE REFER TO THE CHECKLIST BELOW TO ENSURE THAT YOU ARESUBMITTING ALL THE REQUIRED DOCUMENTATION WITH YOUR APPLICATION.NORTHSIDE HOMEOWNERSHIP PROGRAM REQUIRED DOCUMENTS Completed Application 2021 Federal tax returns & W-2s 2022 Federal tax returns & W-2s 2021 & 2022 IRS Tax Return Transcripts and Wage & Income Statements**To get the transcripts and wage & income statements complete the attached4506-T form or go to https://www.irs.gov/individuals/get-transcript Four weeks of most recent consecutive pay stubs for each job currently held Most recent benefits statements if applicable (Social Security, Disability, Worker’s Comp, etc.) Last 6 months of savings & checking Account Statements Pre-approval letter from qualified lender Lender worksheet completed by loan officer Additional verification forms must be submitted as requested.NeighborWorks HomeOwnership Center of Dutchess County will review applications for eligibilityand notify all applicants of their status in writing. The submission of a completed application shouldnot be construed as an offer.All completed applications should be delivered to:Hudson River Housing, Inc.Center of Dutchess County313 Mill StreetPoughkeepsie, NY 12601ldenson@hudsonriverhousing.org(845) 454-5176 Option 6NeighborWorks HomeOwnershipNorthside Homeownership ProgramPage 3 of 3

Northside Homeownership ProgramRequired Documentation ChecklistIn order to be considered as having submitted a complete application, you must providethe following documentation. Please note that additional information may be requested. Completed Application 2021 Federal tax returns & W-2s 2022 Federal tax returns & W-2s 2021 & 2022 IRS Tax Return Transcripts and Wage & Income Statements**To get the transcripts and wage & income statements complete theattached 4506-T form or go to https://www.irs.gov/individuals/gettranscript Last four weeks of most recent consecutive pay stubs for each job currently held Most recent benefits statements if applicable (Social Security, Disability, Worker’s Comp,etc.) Last 6 months of savings & checking account Statements Pre-approval letter from qualified lender if available. Lender worksheet completed by loan officer Additional verification forms must be submitted as requested.NeighborWorks HomeOwnership Center of Dutchess County will review applications for eligibilityand notify all applicants of their status in writing. The submission of a completed application shouldnot be construed as an offer.All completed applications should be delivered to:Hudson River Housing, Inc.NeighborWorks HomeOwnership Center of Dutchess County313 Mill StreetPoughkeepsie, NY 12601ldenson@hudsonriverhousing.org(845) 454-5176 Option 6Northside Homeownership Program Required DocumentsApplication Date: 11/15/2021

Hudson River Housing, Inc.NeighborWorks HomeOwnership Center of Dutchess CountyApplicant:First NameM.IStreet AddressStateZip CodeCityCountyMailing AddressStateZip CodeCityCountyHome PhoneCell Phone(())AgeBirthdate US Citizen Foreign Born Resident Alien OtherCitizenshipMilitary Status Active Veteran NoneHomeowner Paying a Mortgage Yes NoLast NameE-MailWork Phone(Disabled?Yes)NoMarital Status Single Married Separated DivorcedEducation Primary HS/GED College Vocational NoneRenter Paying Rent? Yes NoRace/National Origin:You are not required to furnish this information, but are encouraged to do so. You may not be discriminated against on the basis of this information, nor on whether you chose to furnishit. If you furnish this information, please provide both the ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race or sex, it is required by Federal regulations tonote the information on the basis of visual observation or surname. If you do not wish to furnish the information, please indicate belowI do not wish to furnish this information American Indian/Alaskan Native Asian Black or African American Native Hawaiian or Pacific Islander WhiteSex Hispanic/Latino Not Hispanic/Latino Male Female Other/Non-Conforming OtherCo-Applicant:First NameM.IStreet AddressStateZip CodeCityCountyMailing AddressStateZip CodeCityCountyHome PhoneCell PhoneAge(())BirthdateCitizenship US Citizen Foreign Born Resident Alien OtherMilitary Status Active Veteran NoneHomeowner Paying a Mortgage Yes NoLast NameWork PhoneE-Mail(Disabled?Yes)NoMarital Status Single Married Separated DivorcedEducation Primary HS/GED College Vocational NoneRenter Paying Rent? Yes NoRace/National Origin:You are not required to furnish this information, but are encouraged to do so. You may not be discriminated against on the basis of this information, nor on whether you chose to furnishit. If you furnish this information, please provide both the ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race or sex, it is required by Federal regulations tonote the information on the basis of visual observation or surname. If you do not wish to furnish the information, please indicate belowI do not wish to furnish this information American Indian/Alaskan Native Asian Black or African American Native Hawaiian or Pacific Islander WhiteSex Hispanic/Latino Not Hispanic/Latino Male Female Other/Non-ConformingList Additional Household Members And Dependents (Do not include Participant and Co-Participant)First & Last NameAgeDOBRelationshipHousehold1Y N OtherDependentY NEarning IncomeY N2Y NY NY N3Y NY NY N4Y NY NY N5Y NY NY N6Y NY NY N7Y NY NY N8Y NY NY NNorthside Homeownership Program Applicationpg. 1

Hudson River Housing, Inc.NeighborWorks HomeOwnership Center of Dutchess CountyApplicant Full Time EmploymentApplicant Second/Part-Time/Seasonal EmploymentEmployer NameMailing AddressCityEmployer NameMailing AddressCityStateHR Phone #Date StartedBusiness TypeTrade UnionZipHR Phone #PositionYesNoSelf EmployedStateDate StartedBusiness TypeYesNoTrade UnionZipPositionYesNoSelf EmployedYesNoPay FrequencyWeekly Bi-Weekly Monthly Bi-Monthly AnnuallyGross Pay per paycheck Pay FrequencyWeekly Bi-Weekly Monthly Bi-Monthly AnnuallyGross Pay per paycheck Co-Applicant Full-Time EmploymentCo-Applicant Second/Part-Time/Seasonal EmploymentEmployer NameMailing AddressCityEmployer NameMailing AddressCityStateHR Phone #Date StartedBusinessTypeTrade UnionZipPositionYesNoSelf EmployedYesNoPay FrequencyWeekly Bi-Weekly Monthly Bi-Monthly AnnuallyGross Pay per paycheck Other Household IncomeTypeA/CAlimony/Child /DividendsPublic AssistanceMonthly Amount CommentsStateHR Phone #Date StartedBusiness TypePositionTrade UnionYesNoSelf EmployedYesNoPay FrequencyWeekly Bi-Weekly Monthly Bi-Monthly AnnuallyGross Pay per paycheck TypeSS/SSI/SSDUnemploymentVA BenefitsWorker’s Comp.OtherA/CMonthly Amount List All Prior Job Periods of Unemployment From This Year and Last (account for all of last year’s W-2s and 1099s)Employer/AgencyA/CPosition/ StatusStart DateNorthside Homeownership Program ApplicationZipCommentsEnd Datepg. 2