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Careers

Current Openings

There are no job openings at this time.

NOAH serves a diverse community and seeks candidates who reflect our community including people of color, veterans, and people with disabilities. Applicants with a range of work history and lived experience are encouraged to apply. Please submit a resume and cover letter to .(JavaScript must be enabled to view this email address)

Financials

Financials

NOAH maintains strong, fiscally responsible accounting procedures to support our operations and programs.  NOAH posts audited financial statements as they become available.

FY 2023-2024

2024 Audited Financial Statements Consolidated

FY 2022-2023

2023Audited Financial Statements Consolidated

FY 2021-2022

2022 Audited Financial Statements Consolidated

FY 2020-2021

2021 Audited Financial Statements Consolidated

FY 2019-2020

2020 Audited Financial Statements

Governance

NOAH operates under the guidance of an experienced and highly skilled Board of Directors. NOAH Board members represent Oregon’s key financial, community development, legal, and service sectors. There are five committees, including a loan committee which is comprised of banking and lending professionals.

Chair

Howard Weinman, Commercial Relationship Manager, OnPoint Community Credit Union

Vice Chair

Gina Leon, VP Commercial Real Estate Affordable Housing Manager and CRA Coordinator, Umpqua Bank

Secretary

John Van Landingham, Attorney, Oregon Law Center/Lane County Legal Aid

Treasurer

Monique Bertram, Partner, KBF CPAs

Directors

Dean Gisvold, Esq., Retired Senior Partner, McEwen, Gisvold LLP
Duncan Hwang, Interim Co-Executive Director/Associate Director, APANO - Asian Pacific American Network of Oregon
Javier Mena, Affordable Housing Manager, City of Beaverton
Nelda Newton, Senior Vice President, Wells Fargo Bank
Bob Powers, Executive Director Community Development Lending, JP Morgan Chase
Brett Sheehan, Affordable Housing Relationship Manager, Key Bank
Brian Stewart, VP Director of Client and Community Relations, PNC Bank NA
Jen Walter, Vice President, Assistant Director of Asset Management, US Bank, NA

The Team

We are a diverse team of experts with decades of experience in finance, data analysis, urban planning, sustainability and community development. We collaborate for greater impact and the collective good; use facts and flexibility to get to yes; take calculated risks and develop creative solutions; and, support social equity and are empathetic and respectful of others. Together, we can agilely respond to new opportunities and meet challenges with integrity, curiosity, and humor. Following is a list of the staff of NOAH.

CYNDI BARBER, Director of Finance and Administration

Cyndi is a licensed CPA in the State of Oregon and holds a Human Resources certificate from Portland State University’s Professional Development Department.  Previously she has worked in public accounting, and for both non-profit and for-profit organizations.  Most recently she has spent her time in wine country as Chief Financial Officer at two vineyards.

CONTACT

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RACHEL MORI BIDOU, Director of Policy and Asset Management

Rachel brings a strong background in asset management and underwriting of tax credit equity investments. Prior to NOAH, Rachel worked at PNC Real Estate for seven years as a Senior Asset Manager and in a variety of underwriting positions. She managed portfolios of approximately 70 entities, including low-income housing tax credit partnerships where she closed deals in excess of $15 million.

CONTACT

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MICHELLE BILDERBACK, Senior Loan Closing Officer

Michelle coordinates, prepares and tracks documentation required to close NOAH’s loans. Her background includes education and training in handling complex mortgage transactions. Michelle has over 20 years of experience with commercial real estate, including problem assets and income property loan quality control analysis. Her professional background includes work at First Interstate Bank and Willamette Savings & Loan.

CONTACT

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ANTHONY CARNIVALE, Relationship Manager

Anthony is an Oregon native, born and raised in Corvallis. He received his MRED degree (Master’s in Real Estate Development) from Portland State University. Prior to joining the NOAH team, he worked with HomeStreet Bank, underwriting loans for their commercial real estate team.

CONTACT

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MEGAN CARPENTER, Loan Closer

Megan is part of the loan closing team at NOAH. She brings a strong foundation in legal coordination and public service. Before joining the team, she served as an affordable housing paralegal, where she supported the closing of complex affordable housing transactions across Oregon. Her work included drafting and reviewing legal documents, coordinating with lenders and title companies, and tracking project milestones from entity formation through financing.

Originally from California, Megan discovered her passion for affordable housing during an internship with the San Francisco Board of Supervisors, where she worked on policy initiatives focused on housing and environmental justice. Her commitment to equitable development has continued throughout her career.

When she’s not supporting housing projects, Megan can often be found with her nose in a book or exercising with her two beloved Australian Shepherds. She also helps run a community book club with close friends.

CONTACT

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503.501.5546 (direct)

FAWN ENGWEILER, Loan Closer

Fawn facilitates loan closings at NOAH. Her background includes over 20 years of experience in banking, residential and commercial real estate lending. Training and knowledge in Fannie Mae and Freddie Mac Multifamily affordable loans, residential construction, and special assets.  Her professional background includes work at HomeStreet Bank and NewPoint Real Estate Capital. She has a fascination with history, antiques, music, and loves spending time outdoors with her two children.

CONTACT

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503.501.5684 (direct)

SHERRY GRAU, Relationship Manager

Sherry brings over 25 years of experience in various affordable housing roles.  Prior to coming to NOAH, she worked for leading statewide nonprofit housing developers in Oregon and California where she developed new construction and acquisition/rehab projects of diverse building types and complex financing structures.  She holds a Bachelor of Science in Design with a major in Housing and Urban Development from Arizona State University and a Rental Housing Development Finance Professional certification from Grow America.  She also currently serves on the board of the Pacific Northwest chapter of the Women’s Affordable Housing Network.

KWAME KINABO, Lending Project Manager

Kwame brings lending experience to support loans from origination through asset management for NOAH. With 19 years of experience in financial services and non-profits, Kwame builds relationships to meet financial needs and bring social change. He holds an MBA and is excited to address disparities and bridge communities through financial support. Kwame takes pride in his African heritage and extensive world travel which bring a unique approach to his work.

CONTACT

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50.501.5685 (direct)

JESSICA KOHLS, Asset Manager

Jessica joined NOAH in 2023, bringing over 10 years of experience in the affordable housing property management industry. She is a Housing Credit Certified Professional, and holds an Oregon Real Estate property manager license. Prior to joining NOAH, Jessica worked in asset management at Enterprise Community Investment. She holds degrees in both Spanish and Finance from Portland State. Se Habla Español.

CONTACT

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HOLLY NEWKIRK, Senior Loan Closer

Holly coordinates loan closings at NOAH. Her background includes over 25 years of closing all types of commercial real estate loans, including Fannie Mae and Freddie Mac Multifamily affordable loans.  Her professional background includes work at HomeStreet Bank and M&T Real Estate Capital.  In her spare time Holly enjoys driving her sports car and getting outdoors with her pups.

CONTACT

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503.501.5689 (direct)

ERIK PATTISON, Relationship Manager

Erik Pattison comes to NOAH after several years at Portland based Community Development Companies. He has managed affordable housing development and asset management and has experience with a wide range of financing structures and project subsidies. He received his Master’s in Real Estate Development (MRED) from PSU.

CONTACT

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503.501.5544 (direct)

AMBER QUAYLE, Senior Portfolio and Servicing Manager

Amber Quayle joined NOAH in 2017. She leads the loan servicing functions and is responsible for a range of asset management duties including data integrity of the loan servicing software. Amber comes to NOAH from PNC Real Estate where she held positions as Investor Finance Associate and Department Coordinator for tax and audit documentation. Prior experience includes positions at Norwest General Contractors and First Consumers National Bank.

CONTACT

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ANN REMMERS, Deputy Director and Director of Lending

Ann joined NOAH’s staff in 2016 with over ten years of experience in affordable housing finance and development. She is experienced in acquisitions, asset management, business development and underwriting. Immediately prior to coming to NOAH, Ann managed a team of tax credit underwriters for PNC Real Estate.

CONTACT

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BILL VAN VLIET, Executive Director

Bill has 25 years of experience in housing finance with a strong credit and management background. He has worked in both the private and public finance sectors. He joined NOAH as a Loan Officer in 1998 and was appointed Executive Director in 2000. Bill leads the agency, is the primary liaison to the Board of Directors, and is responsible for credit quality and capitalization. He also serves as an expert and leader in housing policy.

CONTACT

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JULISSA VASQUEZ, Portfolio Coordinator

Julie was born and raised in Los Angeles, CA. She moved to Oregon in 2022 and has not yet acclimated to the Oregon weather. Prior to working at NOAH, Julissa worked at Umpqua Bank, underwriting healthcare loans for dentists and veterinarians. Julie assists the asset management, reporting, servicing, and AP departments at NOAH.

CONTACT

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971.430.3901 (direct)

Terms of Service

Welcome to the Network for Oregon Affordable Housing’s website available at and under the domain name https://noah-housing.org/ (this “Site”). By complying with this Terms of Service Agreement (this “Agreement”), we hope your online experience with us will be safe and rewarding. This Agreement sets forth the terms and conditions governing your use of this Site and your access to and use of the information, content and services offered on this Site (which, collectively with this Site, constitute the “Services”). By accessing or using this Site or any of the Services, you accept and agree to be legally bound by this Agreement, as it may be amended or supplemented from time to time (as further described below), and agree to all operating rules and/or policies of Network for Oregon Affordable Housing and the Services that may be published by Network for Oregon Affordable Housing on this Site. All these rules and policies are incorporated into this Agreement by this reference. Network for Oregon Affordable Housing also has a privacy policy relating to this Site and the Services generally.

IF YOU DO NOT ACCEPT THIS AGREEMENT, YOU MAY NOT ACCESS THE SITE OR USE ANY OF THE SERVICES.

The Services are intended for use only by individuals and legal entities (such as small businesses, cooperatives, associations and membership organizations), based in the United States, that can form legally binding contracts under applicable law. If you do not satisfy the foregoing, you may not use any of the Services. By using any of the Services, you expressly represent that you have the capacity under applicable law to enter into a legally binding contract (if you are an individual), or that you have been duly authorized by your corporation, partnership, or other legal entity, to enter into agreements on behalf of that entity (if you represent a legal entity).

1. Network for Oregon Affordable Housing Reserves the Right to Revise this Agreement. We reserve the right, at any time and from time to time, to update, revise, supplement and to otherwise modify this Agreement and to impose new or additional rules, policies, terms or conditions on your use of the Services. Such updates, revisions, supplements, modifications and additional rules, polices, terms and conditions (collectively referred to in this Agreement as “Additional Terms”) shall be effective immediately and incorporated into this Agreement upon notice thereof, which may be given by any reasonable means including by posting to this Site or the websites of our related or affiliated entities. Your continued use of this Site following such notice shall be deemed to conclusively indicate your acceptance of any and all such Additional Terms. All Additional Terms are hereby incorporated into this Agreement by this reference.

2. Network for Oregon Affordable Housing May Revise or Terminate Any Part of the Services at Any Time. We reserve the right, at any time and from time to time, to modify or discontinue, temporarily or permanently, any or all of the Services, with or without notice and in its sole discretion. This includes the right to modify, discontinue or remove any content, postings, links, pages, services, or other materials at any time and for any reason. You agree that neither Network for Oregon Affordable Housing, its partners nor its affiliates shall be liable to you for any modification, general suspension or discontinuance of any Services. Network for Oregon Affordable Housing may, in its sole discretion, refuse or restrict anyone from access to any or all of the Services at any time.

3. Acceptable Use of the Services. In order to use the Services, you must obtain access to the World Wide Web directly or through devices that access web-based content and pay any and all service fees associated with such access.

3. (a) Individual Use. You agree that you are only authorized to visit, view and to retain a single copy of pages of this Site solely for your own individual use, and that you shall not duplicate, download, publish, modify or otherwise distribute any material on this Site for any purpose other than for your own individual use unless otherwise specifically authorized by Network for Oregon Affordable Housing. We post legal notices and various credits on pages of this Site, which may not be removed even in your permitted copy. You shall not remove these notices or credits, or any additional information contained along with the notices and credits.

3. (b) Deep Links. You shall not “deep-link” to this Site, meaning that you will not create, post, display, publish or distribute any link to any page other than the front (home) page of this Site for any purpose, unless specifically authorized by Network for Oregon Affordable Housing to do so.

3. (c) Framing and Inlining. You shall not frame or inline (framing without a border around the framed content) this Site, meaning that you will not display of the contents of this Site on another web page without our express permission.

3. (d) Security, Cracking and Hacking. You shall not violate or attempt to violate the security of the Services. Accordingly, you shall not: (i) access data or materials not intended for you; (ii) log into a server or account which you are not authorized to access; or (iii) attempt to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization. Violations of system or network security may result in civil or criminal liability. Network for Oregon Affordable Housing reserves the right to investigate occurrences which may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who have participated in such violations. You agree that it is your responsibility to install anti-virus software and related protections against viruses, Trojan horses, worms, time bombs, cancelbots or other computer programming routines or engines that are intended to damage, destroy, disrupt or otherwise impair a computer’s functionality or operation which may be transferred to your computer via the Services.

3. (e) Accurate Information. You may be required to log-on or register in order to access and use some areas of our Site. You agree to provide certain current, complete, not misleading, true and accurate information as required to complete the registration form and at other points as may be required in the course of your using the Services. You agree not to use a false or misleading name or a name that you are not authorized to use.

3. (f) Account Passwords. If applicable, you will be able to access certain portions of this Site as a “Registered User” of the Services. As a Registered User, you will receive or establish one or more passwords and accounts. Maintaining the confidentiality and security of your password and account is solely your responsibility. Do not divulge your password to anyone else, and do not use anyone else’s password or account. You are entirely responsible for all activities that occur on or through your account(s), and you agree to notify us immediately about any unauthorized use of accounts or any breach of security. You agree that Network for Oregon Affordable Housing will not be responsible for any losses incurred in connection with any misuse of passwords. If we have reasonable grounds to suspect that the security of your password has been compromised, we retain the right to suspend or terminate your account, refuse any and all current or future use of the Services, and pursue any appropriate legal remedies.

3. (g) You Are Responsible For All of Your Activities and All of The Content You Post or Submit. You are responsible for your communication content and transmissions. You represent and warrant that any information you post or provide to Partners Network for Oregon Affordable Housing by means of the Services, including, without limitation, as part of any registration or application or to gain access to any Services, is true, accurate, not misleading and offered in good faith. Any information disclosed to you via the Services including, without limitation, any content in any personalized areas of this Site, may be used only for its intended purpose. We expect that you will exercise caution, good sense and proper judgment in using the Services. You agree NOT to use the Services for, or in connection with, any of the following activities:

Spoofing or otherwise impersonating any person or entity, including, without limitation, any other users or any of Network for Oregon Affordable Housing personnel, or falsely stating or otherwise misrepresenting your identity or affiliation in any way, or forging any TCP/IP packet header or any part of the header information in any e-mail or other posting;

Any fraudulent or illegal purpose, or any use which violates the accepted norms of the Internet community, whether or not expressly mentioned in this Policy, as well as any activity that could damage Network for Oregon Affordable Housing’ commercial reputation and goodwill or the commercial reputation and good will of its vendors and customers;

E-mailing, uploading, or otherwise transmitting or using the Services in furtherance of the use or distribution of any unlawful, harmful, harassing, defamatory, tortious, libelous, abusive, threatening, vulgar, sexually explicit, obscene, hateful, racially, ethnically or otherwise objectionable material of any kind, or any material that is invasive of another’s privacy or exploits children, or transmitting any sexually explicit materials, including images and other content; and

Transmitting material that contains viruses, Trojan horses, worms, time bombs, cancelbots or other computer programming routines or engines, including without limitation, via means of submitting a virus to the Services, that are intended to damage, destroy, disrupt. overload, flood, mailbomb or crash or otherwise impair a computer’s functionality or the operation of Network for Oregon Affordable Housing’ (or anyone else’s) Services, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information, or transmit any materials that otherwise violate Network for Oregon Affordable Housing’ rules or policies.

3. (h) Do Not Violate Third Party Intellectual Property Rights. Without limiting the foregoing, you may not, and by using any or all of the Services you agree not to, use the Services to:

3. (i) transmit material that is copyrighted, unless you are the copyright owner or have obtained the permission of the copyright owner to transmit it; (ii) transmit material that reveals trade secrets, unless you own them or have the permission of the owner to so transmit them; or (iii) transmit material that infringes on any Intellectual Property Rights (as defined below) of others or violates the privacy or rights of publicity of others. For purposes of this Agreement, the term “Intellectual Property Rights” means collectively, rights under patent, trademark, copyright and trade secret laws, any applications or registrations relating to such rights, and any other intellectual property or proprietary rights recognized in any country or jurisdiction worldwide, including, without limitation, the waiver of moral rights and similar rights. (iv) Ownership. All content, materials and software posted to or used in conjunction with the Services including, without limitation, text, graphics, logos, button icons, images, audio clips, and software included in the Services, are the property of Network for Oregon Affordable Housing, its partners, affiliates or licensors and are protected by U.S. and international copyright, trademarks and other proprietary rights and Intellectual Property Rights laws. The compilation of all content on this Site is the exclusive property of Network for Oregon Affordable Housing, its partners or affiliates and is protected by U.S. and international copyright laws. Except to the minimum extent otherwise expressly permitted under copyright law, no copying or exploitation of material from the Services is permitted without the express written permission of Network for Oregon Affordable Housing and any other applicable copyright owner. You also may not resell the Services (or any part thereof). You acknowledge that you do not acquire any ownership rights by virtue of downloading copyrighted material from the Services. All rights not expressly granted hereunder are expressly reserved to Network for Oregon Affordable Housing. We reserve the right to remove or disable access to any content or other materials that violate or allegedly infringe on a party’s copyright or other intellectual property rights. If you believe your rights under applicable copyright laws are being infringed, you may notify our Webmaster by email at .(JavaScript must be enabled to view this email address) by phone at (503) 223-3211.

3. (j) Spidering. The use of any tools, programs, robotic algorithms or products to automatically download or “spider” the site or any of the pages of the site is expressly prohibited and infringes on Network for Oregon Affordable Housing, its partners’ or affiliates’ copyrights. Do not use any such tools or products on or in connection with the Services.

3. (k) Trademarks. “noah-housing.org” is a trademark of Network for Oregon Affordable Housing. The “look and feel” of this Site is also Network for Oregon Affordable Housing’ trademark and proprietary trade dress. This includes Network for Oregon Affordable Housing’ color combinations, button shapes, layout, and all other graphical and navigational elements. This Site contains other registered and common law trademarks of Network for Oregon Affordable Housing in addition to those listed.

4. Compliance with Laws. You may use the Services only for lawful purposes. The Services are subject to, and you agree that you shall at all times comply with, all applicable local, state, national, and international laws, statutes, rules, regulations, ordinances and the like applicable to the use of the Services. This obligation includes your agreement to comply with all applicable laws, including without limitation, industry-specific regulations and rules relating to the export of technical and other data from the United States (and from your country if you are not located in the United States) and your agreement not to export or re-export any such data or any other content or materials in violation of such laws, rules or regulations without first obtaining all necessary licenses, consents and approvals therefore, as well as authorization therefore from Network for Oregon Affordable Housing.

5. Your Access to Certain Services. You understand that certain Services on this Site may include materials and information from third parties, and you acknowledge and agree that Network for Oregon Affordable Housing has minimal control over such information. Accordingly, Network for Oregon Affordable Housing cannot and does not guarantee, represent or warrant that the content contained in this Site is accurate, appropriate to you, and/or inoffensive.

6. Network for Oregon Affordable Housing is Not Responsible for Your Choice to Do Business with Any Third Party. Although Network for Oregon Affordable Housing may specifically endorse third parties to provide certain business services to you, you shall have sole responsibility for evaluating and determining which third parties with which you shall transact business and otherwise interact, and which third parties are authorized to do business with you. You further agree that the specific terms and conditions of your transactions with third parties that are initiated by or through the Services shall be as determined by you and such third parties. We may endorse these third parties but we do not control the quality, accuracy, timeliness, completeness, pricing, delivery terms, regulatory compliance, contract terms or legality of the services offered by any such third parties or any emails or other communications transmitted using any of the Services. Network for Oregon Affordable Housing encourages Users electing to purchase or use third party services or products to review the terms of the agreements with those third parties. If you are not satisfied with the services or products provided by third parties, you should contact the third parties directly. Neither Network for Oregon Affordable Housing, its partners or affiliates are liable for any of the contents, advertising, products, or other materials or services on or available from such third parties, or any sites or resources. THERE ARE RISKS OF DEALING ACROSS STATE OR NATIONAL BORDERS AND WITH PERSONS ACTING UNDER FALSE PRETENSES. YOU AGREE THAT NEITHER NETWORK FOR OREGON AFFORDABLE HOUSING, ITS PARTNERS OR AFFILIATES SHALL BE RESPONSIBLE OR LIABLE FOR ANY LOSS OR DAMAGE OF ANY SORT INCURRED AS THE RESULT OF ANY DEALINGS BETWEEN YOU AND ANY THIRD PARTY.

7. Hypertext Links/Links to Third-Party Sites. The hypertext links or pointers displayed throughout the Site and related sites are provided for your convenience, are not within our control and may not follow the same privacy, security, or accessibility standards as ours. Network for Oregon Affordable Housing does not control or guarantee the accuracy, relevance, timeliness, or completeness of this outside information. Further, Network for Oregon Affordable Housing is not responsible for the availability of outside sites, and does not endorse and is not liable for any content, advertising, products, or other materials on or available from these sites.

8. News Releases. We maintain Network for Oregon Affordable Housing, our affiliate and subsidiary news releases on this site for archival purposes. Our news releases are believed accurate as of the date they are issued; however, they may become outdated over time, and should not be relied on as factually correct after their issue date.

9. Services Relating to Financial Matters. You may choose to create or join any service, or receive or request any news, messages, alerts or other information via the Services concerning companies, stock quotes, investments or securities. Any such Services provided are for informational purposes only, and no content included in the Services is intended for trading or investing purposes. Network for Oregon Affordable Housing shall not be responsible or liable for the accuracy, timeliness, usefulness or availability of any information transmitted via the Services, and shall not be responsible or liable for any trading or investment decisions based on such information.

10. Limitation of Liability. BECAUSE OF THE POSSIBILITY OF HUMAN AND MECHANICAL ERROR AS WELL AS OTHER FACTORS, THE SITE (INCLUDING ALL INFORMATION AND MATERIALS CONTAINED ON THE SITE) IS PROVIDED “AS IS” “AS AVAILABLE”. NETWORK FOR OREGON AFFORDABLE HOUSING AND THIRD PARTY DATA PROVIDERS ARE NOT PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THE SITE. NETWORK FOR OREGON AFFORDABLE HOUSING AND THIRD PARTY DATA PROVIDERS DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO THE SITE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, OR FITNESS FOR ANY PARTICULAR PURPOSE. FURTHER, NETWORK FOR OREGON AFFORDABLE HOUSING WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THIS SITE, OR FOR THE INCOMPATIBILITY BETWEEN THIS SITE AND FILES AND THE USER’S BROWSER OR OTHER SITE ACCESSING PROGRAM. NOR WILL NETWORK FOR OREGON AFFORDABLE HOUSING BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND NETWORK FOR OREGON AFFORDABLE HOUSING’ CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS.

NETWORK FOR OREGON AFFORDABLE HOUSING AND THIRD PARTY DATA PROVIDERS DO NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED ON THE SITE AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE MATERIALS AND INFORMATION. FURTHERMORE, NETWORK FOR OREGON AFFORDABLE HOUSING AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, COMPUTER VIRUSES, MALICIOUS CODE, OR OTHER DEFECT IN SITE, ANY INCOMPATIBILITY BETWEEN THE SITE AND THE USER’S FILES AND THE USER’S BROWSER OR OTHER SITE ACCESSING PROGRAM, OR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND NETWORK FOR OREGON AFFORDABLE HOUSING AND ITS AFFILIATES’ CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS. NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR REDUCING NETWORK FOR OREGON AFFORDABLE HOUSING RESPONSIBILITIES AND OBLIGATIONS TO CLIENTS IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS.

11. Indemnity of Network for Oregon Affordable Housing. You agree to indemnify and hold Network for Oregon Affordable Housing (including without limitation our agents, employees, officers, directors, subsidiaries, parent and affiliated companies) harmless, and, at Network for Oregon Affordable Housing’ request, to defend Network for Oregon Affordable Housing from and against any claim, demand, cause of action, debt, loss or liability, including reasonable attorneys’ fees, to the extent that such action is based upon, arises out of, or relates to: (i) your use of (or inability to use) any and all of the Services; (ii) your violation of the terms and conditions of this Agreement; (iii) the infringement by you, or any other person using your password and account, of any right of any person or entity; or (iv) any other of your activities relating to your use of this Site and the Services. This indemnity shall be in addition to and not limited by any other indemnity.

12. Order of Precedence. This Agreement governs your use of this Site and access to the Services. This Agreement does not modify, alter or amend any other agreement you have entered or will enter into with Network for Oregon Affordable Housing or any of its related or affiliated entities. To the extent that any provision of this Agreement, or any supplemental agreement offered as any part of any registration for additional Services on this Site, conflicts with any provision of your other agreements with Network for Oregon Affordable Housing or any of its related or affiliated entities, the terms of such other agreement, shall, as to the subject matter of that other agreement, take precedence over the conflicting term(s) of this Agreement.

13. Dispute Resolution. Except with respect to violations of Network for Oregon Affordable Housing’ intellectual property or proprietary rights and our right to bring an action in court to collect monies due, and except with respect to suits brought against Network for Oregon Affordable Housing by third parties, you acknowledge and agree that any dispute involving Network for Oregon Affordable Housing shall be settled by arbitration. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. Judgment on the arbitration award may be entered into any court having jurisdiction thereof. You agree that Network for Oregon Affordable Housing may seek interim or preliminary relief from a court of competent jurisdiction necessary to protect the rights or property of Network for Oregon Affordable Housing pending the completion of arbitration.

14. Miscellaneous Terms. We reserve the right to remove or disable access to any content or other materials that violate or allegedly infringe on a party’s copyright or other intellectual property rights. If you believe that your materials have been copied in a way that constitutes copyright infringement, please send an e-mail or written notice to our designated agent for notices of infringement:

Network for Oregon Affordable Housing
1020 SW Taylor Street, Ste 585
Portland, Oregon 97205
503.223.3211
.(JavaScript must be enabled to view this email address)

BY ACCESSING OR USING THE SERVICES, YOU INDICATE AND ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE LEGALLY BOUND BY THIS AGREEMENT AND ALL OF THE FOREGOING TERMS AND CONDITIONS.

Last Updated 9/2016

Privacy Policy

Network for Oregon Affordable Housing created this privacy statement to demonstrate our commitment to maintaining the privacy and security of our clients, website users, and the communities we serve.

We have established policies to protect the security and privacy of all information we collect. We maintain strict internal policies against unauthorized disclosure or use of any client or website user information.

Any suspected attempt to breach our policies and procedures, or to engage in any type of unauthorized action involving our web systems will be regarded as potentially criminal activity, and may be reported to the appropriate authorities.

The following discloses our information-gathering and dissemination practices for our websites identified by the domain names of https://noah-housing.org/ (Network For Oregon Affordable Housing)

Personal Information
It is the policy of Network for Oregon Affordable Housing to respect the privacy of our clients, members and the people doing business through our services. Personal information presented here WILL NOT be sold, traded, loaned, published or distributed by any other means to any party other than Network for Oregon Affordable Housing.

Security
This site has security measures in place to protect the loss, misuse and alteration of the information under our control. Security of financial information in transit to and from our websites is typically encrypted using SHA-256 with RSA protocols. We store client information in secure databases protected with a variety of access controls. This data is accessed only for the purposes specified in this privacy statement.

Children
We do not provide content on our websites intended to attract or encourage the participation of children. We do not directly solicit or encourage information from persons under the age of 18.

Cookies
Our websites use “cookies”. A “cookie” is a small text file that permits us to recognize your browser in order to customize your experience or permit you to access restricted areas. Cookies do not contain personal information.

IP Address
Your Internet Protocol (“IP”) address is usually associated with the place from which you enter the Internet, like your Internet Service Provider or your company. We may use your IP address to help diagnose problems with our servers, gather broad demographic information, and administer our websites.

Opt-Out
This site gives clients and members the following options for removing their information from our databases to disallow future communications or to discontinue our services.

1. You may remove your own email address from our email-lists by clicking on the opt-out links provided in our automated bulk e-mail.
2. You may also send email-list removal requests to: .(JavaScript must be enabled to view this email address)

Updating Your Information
This site also gives clients and members the following options for changing and modifying information previously provided.

1. You may update your own information by following the instructions in your Account.
2. You may also send email-list update requests to: .(JavaScript must be enabled to view this email address)
3. You may update your membership/client information at Network for Oregon Affordable Housing at any time by opening your Member Profile, making the necessary changes, then clicking update.

Your Responsibility
Should you become aware of a breach of our Privacy and Security policies, or should you suspect a breach at any time, please contact us immediately so that we can respond to your concerns directly.

Contacting Network for Oregon Affordable Housing
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Network for Oregon Affordable Housing
1020 SW Taylor Street, Ste 585
Portland, Oregon 97205
503.223.3211

Last Updated 9/2016

Our Story

Financing Strong Oregon Communities

The Network for Oregon Affordable Housing (NOAH) strengthens communities through flexible financing, strategic partnerships, and creative solutions that expand and preserve affordable housing in Oregon. Through the leadership of the Oregon Bankers Association, NOAH was established in 1990 as a statewide nonprofit corporation to increase the supply of affordable housing. NOAH is a federally certified Community Development Financial Institution (CDFI) with a 29-year history of delivering financial and programmatic solutions that enhance livability.

affordable housing properties throughout the state.

NOAH is an equal opportunity provider and employer. NOAH’s Board of Directors adopted an Equity Plan in March of 2017. The goal of the plan is to expand NOAH’s lending in underrepresented and underserved communities and increase staff and board knowledge and awareness of diverse community needs to more fully achieve NOAH’s mission.

NOAH is a member of the Opportunity Finance Network and is a federally certified Community Development Financial Institution.

In accordance with federal laws and U.S. Department of the Treasury policy, this organization is prohibited from discriminating on the basis of race, color, national origin, sex, age, or disability. To file a complaint of discrimination, write to: U.S. Department of the Treasury, Director, Office of Civil Rights and Equal Employment Opportunity 1500 Pennsylvania Avenue, N.W., Washington, DC 20220 or send an e-mail to: .(JavaScript must be enabled to view this email address).

De acuerdo con las leyes federales y la política del Departamento del Tesoro de los EE. UU., esta organización tiene prohibido discriminar por motivos de raza, color, origen nacional, sexo, edad o discapacidad. Para presentar una queja por discriminación, escriba a: Departamento del Tesoro de EE. UU., Director, Oficina de Derechos Civiles e Igualdad de Oportunidades en el Empleo 1500 Pennsylvania Avenue, N.W., Washington, DC 20220 o enviar un correo electrónico a:
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