We are in the financial education, mortgage lending, and construction business, but we are really in the business of building resilient and self-reliant communities. We do this by serving our clients with integrity, accountability, quality and innovation – every step of the way.



Native Partnership for Housing (NPH) serves the housing and homeownership needs of Native and non-Native clients in the Four Corners region in both remote and urban areas. We offer a full range of services. We provide financial education and counseling for home buyers, flexible and affordable mortgage lending products, and with our subsidiary Clear Water Construction Partners, we deliver quality design, build and remodel services.

NPH is a free-standing CDFI, the only one not dedicated to a specific tribe or tribal market. We are a charter member of NeighborWorks and a Certified HUD Approved Counseling Organization.  We are the only Native non-profit to have all three credentials.

NPH serves our clients with integrity, accountability, quality, and innovation.  As a trusted and transparent partner, we are committed to the highest ethical standards to meet the needs of our clients.


NPH, one of the first Native Community Development Financial Institutions in the U.S., was founded in 1996 as Navajo Partnership for Housing with the mission to empower Navajo families with financial knowledge and skills necessary to purchase or renovate their own homes. Until Navajo Partnership for Housing was established, no financing or mortgage credit was available on the Navajo Nation. In its 22 year history, the organization produced more than $60 million in loans and down-payment assistance, provided Home Buyer Education to nearly 4,000 families, and assisted close to 700 families.

In 2014, the organization expanded its mission to serve all Native and (eventually) non-Native clients and changed our name to Native Partnership for Housing which better described our expanded scope. Today the company is known as NPH.

NPH has established two C-Corp Subsidiaries, Native Investment Holdings, Inc. and Clear Water Construction Partners, Inc. With Clear Water Construction, NPH gains critical control over home building costs, quality and scheduling.


Native Partnership for Housing strives to empower Families and Individuals to become successful homeowners and tenants, while we Build Homes and Contribute to Community Economic Development.


We envision Resilient, Self-Reliant Communities where Quality Housing, Home Ownership and Economic Development provide Opportunities to raise strong and healthy families.


Rollin Wood became Executive Director of Native Partnership for Housing (formerly Navajo Partnership for Housing) in 2014. Under his leadership he implemented a 5-year strategic and tactical plan which reduced NPH’s dependency of grants and increased self-sufficiency by 50 percent over 18 months. His efforts led to a 75 percent increase in net assets in just one year.

Mr. Wood spearheaded strategic planning with the NPH Board of Directors to expand the mission to serve all Native and non-Native clients. They changed the name to Native Partnership for Housing to reflect the expanded scope, and formed two C-Corp Subsidiaries, Native Investment Holdings, Inc. and Clear Water Construction Partners, Inc., to provide critical control and oversight over costs, quality, and scheduling. Recent projects include Karigan Estates development in St. Michaels, Arizona and the design/build project of 26 units townhomes in Page, Arizona.

Prior to joining NPH, Wood was president and owner of Sierra Vista Resources, Inc in Tucson, Arizona where he developed business plans and financial projections for start-up businesses, including a Navajo owed company in the natural resource industry. His work included management and field operations for numerous mine exploration projects. Earlier in his career, Mr. Wood worked in  sales, marketing, management, and executive positions in the broadcast industry in Phoenix, Seattle, Sacramento, Portland and Fresno.

Rollin Wood has completed business training through the Belo Corporation in strategic planning, sales, human resources and management. He attended the Tuck School of Business at Dartmouth: Building Successful Native-American Businesses, and serves on the Center for Indian Country Development (CIDC), Federal Reserve Bank of Minneapolis, advisory committees.

Priscilla Otero is a member of the Navajo Nation and is of the Kiyaannii clan. Born in Chicago, Illinois, she holds a MBA in Business Administration from University of Phoenix; a BA in Accounting from New Mexico Highlands University, and an Associates Degree in Accounting from San Juan College. Priscilla joined Navajo Partnership for Housing in 2014 as an executive assistant. She was quickly promoted to business manager and then asked to serve as  the company’s Chief Financial Officer.

Before joining NPH, Priscilla was an accounting manager for Navajo Nation Oil and Gas Company (NNOGC), and also served as Financial Officer for Home for Women and Children, a nonprofit. In addition to her extensive professional experience, Priscilla brings a passion for business and collaborative team building to NPH. She finds her greatest motivation in coaching others to perform above and beyond expectations.

Priscilla has one daughter, two sons and three grandchildren who live Phoenix. In addition to visiting her family, she likes to read, write, travel, and play golf.  

Belinda has been with NPH since 2008. She has more than 26 years of experience in the lending industry and is licensed to originate loans for NPH in New Mexico and Arizona. In addition to assuring that all loans are aligned with NPH strategic objectives and applicable laws, Belinda recommends operational and policy improvements and maintains contracts with lending partners.

Sheldon Begay works as an accountant with Native Partnership for Housing. Mr. Begay has over 18 years of experience in the accounting field. He oversees the daily operating accounting activities of NPH. Mr. Begay has earned a degree in accounting and microcomputer operations.


PO Box 2996
Window Rock, AZ 86515

JERRY RYBURN, Vice President (Interim)
1509 Presto Way NW
Albuquerque, NM 87104
Bank & Trust Company

NELSON TOLEDO, Treasurer (Interim)
PO Box 2365
Bloomfield, NM 87431

PO Box 302
Ganado, AZ
Twin Arrows

PO Box 946
Zuni, NM 87327
Public Works at Pueblo of Zuni