... in an adverse effect on the availability of affordable housing. ( N.J.S.A. 55:14K-2[(a) and (b))]." Ibid. Thus, the Legislature determined that it ... the revitalization of the State's urban areas . . . ." [ Ibid. (quoting N.J.S.A. 55:14K-2(e)).] To meet these statutory goals, the Legislature granted HMFA ...