Jeffrey is a CEO, adjunct professor, doctoral student, board member, and motivational speaker. He firmly believes in the positive correlation of multifamily ROI and the affordability of housing, it is not a zero-sum game. As Chief Executive Officer of Zeffert & Associates, a nationwide leader of affordable housing compliance and training products, he oversees the strategic direction and formulation of industry partnerships. In each of the last ten years, Zeffert has year-over-year served more owner/agents, investors, and agencies than any time in its history by breaking.

At the University of Missouri - St. Louis, he teaches in the College of Business Administration, serves on the Marketing Advisory Board, and is a doctoral student in Missouri’s first and only AACSB-accredited Doctor of Business Administration program.

He has a Master's Degree in International Business Administration, a Bachelor's Degree in Medical Microbiology, and holds various professional certifications in multifamily real estate.

At Zeffert & Associates:

Our Vision is that every community has an available supply of quality affordable housing.

Our Mission is to provide housing compliance and training products that are better and faster than anyone else.

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Michael was born to Greek immigrants who emigrated to St. Louis in the late 1960s. He spent the summers of high school in his ancestral village in the mountains of northern Greece where he helped his grandparents on their farm and learned how to speak fluent Greek.

Michael attended St. Louis University where he graduated with a double major in Finance and International Business. He then went on to receive his Master’s in Business Administration with an emphasis in Accounting from St. Louis University. He traveled to various plants implementing activity-based accounting during his first job at Ralston Purina. He then held positions at Avery Dennison followed by Ingersoll Rand where he had roles in management, sales, and accounting.
Next, he joined American Railcar Industries (ARI) where he remained for 9 years. During that time, he became the Cost Accounting Director of ARI and Controller of American Car Foundry Industries (ACF). It was also during this time that he met and married his wife, Dr. Shannon Farmakis. They have three children—George Ethan, Grace, and Pierce.

In 2015 Michael became the President and Chief Executive Officer of ACF Industries. In that position he had the pleasure and privilege of collaborating with a talented team. It is through his role at ACF Industries that he was able to promote outreach programs, such as yearly assistance helping to package meals for thousands of local families in need.

Carissa leads human resources through an approach of developing a safe and positive culture based on the principles of diversity, equity, and inclusion that incorporate the company’s Mission. Her professional HR career began as the co-founder of FC&C Interior and Exterior Remodeling and has additionally held positions of increasing responsibility. Carissa has earned both a Bachelor’s and Master’s Degree.

Carol has been in the affordable housing industry since 2001, in roles ranging from Leasing Consultant, Assistant Manager, Compliance Specialist and Senior Property Manager. Carol served as the Compliance Department Manager for several years, when, in 2023 she was promoted to Division Director of Compliance Services.

In this current role, she oversees the unified compliance success of File Reviews and Inspection Services. Together, with her expert teams, Carol ensures that clients’ assets are protected by means of compliance with the intricate restrictions with which they may be required to adhere. Speed in file turnaround times, inspection services, and regulation knowledge are essential components of her division’s mission to uphold Zeffert’s reputation as the best and the fastest in the industry.

Carol Holds the HCCP, HCM-H, HCM-HF, HCM-R, and BOND.

Fred is responsible for overseeing day-to-day operations of Inspections for Capital Needs Assessments, 504 Transition Plans, Uniform Physical Needs Assessments, and REAC. Among his chief responsibilities is to ensure the department upholds its strong reputation in the speed and quality of inspections for clients. Fred has 28 years of experience in sales, operations, and inspections; all of which contribute to the priorities of the department.

Jamie has over fifteen years of management experience serving in a range of capacities. She has served a variety of roles within the Utility Allowance department that give her expansive knowledge on the breadth of operating aspects required to serve clients with accuracy and speed. Responsible for the overall success of the Utility Analysis Division, Jamie ensures that all processes continue to provide the fastest and most accurate Utility Allowance reports in the county.

Jamie holds the HCCP designation.

Mandi is a nationally recognized leader in the development of affordable housing compliance training. For 2023, she was honored by the National Association of Homebuilders as their choice of the “HCCP of the Year” award, which is bestowed annually to one person. As the Director of Zeffert University, she works with owner/agents, developers, agencies, and many thousands of individuals every year, to provide the most relevant education when and where it is needed most. Mandi carefully curates the Course Catalog, oversees the strategy behind training scheduling and content creation, and regularly attends events so that learning is always available to meet every student in their journey.

"My job is to conduct an institution of higher learning for multifamily owners, agents, and investors,” says Mandi, demonstrating that the success of these organizations starts with their employees.

Mandi holds the HCCP and FHS designations.

Ronnette is the Senior Trainer at Zeffert & Associates and an affordable housing expert across multiple funding restrictions and training disciplines. Through Zeffert University, she not only reaches more students than other training alternatives combined, her students boast designation pass rates amongst the highest in the nation! Organizations look to Ronnette year-over-year for their education needs, and in 2023, she was selected as the National Association of Homebuilders "HCCP Designee of the Year".

Ronnette has worked in the Affordable Housing industry since 2001. She is a graduate of Rollins College in Winter Park, Florida and holds the HCCP, HCM-R, and FHS designations.

As the Business Development Manager, Kurt is responsible for ensuring the needs of clients across all departments are matched with the appropriate services. Much of Kurt's time is spent marketing Zeffert's training services to each locality in order to create awareness for property managers, leasing agents, and more. Kurt has received world class customer service and sales training in Fortune 100 companies.

Natalie was born, raised, and embarked on a career in multifamily property management in Tulsa, Oklahoma. Beginning as a leasing consultant, she earned promotions in short order that landed her at a tax credit property where she oversaw compliance as the Property Manager. Now, with over ten years of affordable housing experience, Natalie is a respected expert to both properties and the multifamily community as a whole. She is an Ambassador for the Tulsa Apartment Association (TAA) and serves as a committee member for the Zenith Awards, TAA’s largest annual event. Natalie is married and a mother of two active children (and a loud, but very sweet beagle).

Natalie holds multiple certificates in affordable housing and is a Certified Apartment Manager.

Brian has over twenty years of experience in the affordable housing industry. He has worked in multiple capacities from Area Maintenance and Construction Supervisor to Community Property Manager. At Zeffert & Associates, Brian is a Senior Inspector, which extends his responsibilities to the development and mentoring of junior Inspectors in order to support the Zeffert Mission and the Inspections Department Core Priorities. Brian holds a RAM designation from The National Association of Home Builders as well as an FHA certification for Fair Housing Compliance, and a Uniform Physical Condition Standards Inspectors certification.