Our workforce is comprised of housing specialists, community planners, local government specialists, and housing finance/development experts.
The principals of the firm are national leaders in the fields of community and economic development, housing development and finance, and urban planning. Our staff has unique qualifications and professional expertise that blends urban planning, development, strategic planning, finance, and project implementation within one consulting firm.
Our employees are seasoned project managers and young professionals with exceptional practical experience and educational attainment. The majority of our planning staff has attained their professional AICP certification.
We pride ourselves on the people that make up M&L!
Michael has 25 years of experience in real estate development and consulting. Working with the Federal Low Income Housing Tax Credit and HOME programs since their inception, Michael is considered an expert in affordable housing. He has been a principal of M&L for 15 years, where he has helped to develop more than 3,000 affordable housing units.
Additionally, Michael founded M&L Compliance Management, LLC, a tax credit compliance and property management consulting firm that currently provides compliance oversight to more than 2,800 units, and Monarch Development Group, LLC, an affordable housing development company that has developed more than 360 affordable units since 2005.
Michael is an active member of the Pennsylvania Developers’ Council, the Housing Alliance of Pennsylvania, and the National Council of State Housing Finance Agencies. He earned his Bachelor of Arts degree from Shippensburg University in 1987.
Michael’s personal interests include his passion for raising grass-fed, chemical-free, beef, pork, and poultry for his family and friends. He is able to do this through the love and support of his wife Lynn and their eight children.
Tom has been a principal of Mullin & Lonergan Associates, Inc. since 1989. He has more than thirty-three years of experience in the housing and financial analysis field. Tom is a registered securities broker and has assisted in the development of more than 2,500 units utilizing the Federal Low-Income Housing Tax Credit program. He also serves as the Executive Director of the Section 8 Housing Assistance Payments Program and the Housing Rehabilitation Program in the Borough of Somerville, New Jersey, a position he has held since 1986. Tom holds a B.S. in Accounting from LaSalle University.
Bill has over 20 years of experience in the field of housing and community development consulting. He was employed by M&L from 1993 through 1999, and returned to the firm in 2003. Between 1999 and 2003, Bill worked as a project manager for a national non-profit housing developer managing HUD technical assistance grants and assisting in HOPE VI development projects.
Bill is a technical expert in the CDBG and HOME programs and is responsible for overseeing all of M&L’s HUD entitlement work. He provides consulting services to the firm’s clients through day-to-day technical assistance on CDBG, HOME, and ESG regulatory issues, HOME subsidy layering analysis, Consolidated Plans, Annual Plans, Consolidated Annual Performance and Evaluation Reports (CAPER), Analysis of Impediments to Fair Housing Choice, and HOME CHDO/sub-recipient agreement preparation. He also works on the firm’s planning related assignments such as redevelopment area plans, affordable housing needs assessments, neighborhood revitalization strategies and, economic development initiatives including Section 108 loans and Tax Incremental Financing.
Bill earned his undergraduate degree in Political Science from Gannon University and his Master’s Degree in Urban and Regional Planning from the Graduate School of Public and International Affairs at the University of Pittsburgh.
Marjorie serves as the Principal-in-Charge for all housing studies undertaken by M&L. These include affordable housing plans, strategic housing plans, and housing plan elements of comprehensive plans. She also leads the firm’s portfolio in fair housing planning, including Analyses of Impediment to Fair Housing Choice and HUD’s new Assessments of Fair Housing.
Marjorie has more than 25 years of experience in planning, having worked in both the private and public sectors. From 1995 through 2001, she worked in West Virginia, serving as the Community Planner in Huntington, then as the planning director for Putnam County for five years. She re-joined M&L in August 2004 and became the firm’s first female principal in 2011.
Marjorie’s extensive fair housing planning experience has evolved over the past 12 years from author to project manager and to principal-in-charge for 57 of the firm’s 76 AI contracts. She is the lead Principal for all AFH contracts. In 2016, she led M&L’s staff in the completion of two of the first AFH documents submitted to HUD. Since then, she has overseen the management of two additional FH contracts.
Marjorie has presented at national conferences on the AFH, including:
- Preparing the AFH: Lessons Learned from Harrisonburg, VA and Dauphin County, PA at the 2016 Annual Conference of the National Association of County Community & Economic Development (NACCED), Pittsburgh, PA, September 2016
- Get S.M.A.R.T.: Writing Effective AFH Goals at the 2017 Annual Conference of NACCED, Portland, OR, September 2017
Marjorie received her Master’s Degree in Urban and Regional Planning from the University of Pittsburgh. She is a member of the American Planning Association, Pennsylvania Planning Association, and the National Association for County Community & Economic Development.
Laura joined M&L in 2010 after spending nine years as the Administrator of Operations for the Adams County Housing Authority and its two affiliated non-profits. She earned a Financing degree from Villa Julie College and continued her education with Paralegal studies. Laura is well-versed in all facets of affordable housing including the creation of non-profit entities, development, and compliance monitoring.
During her time with M&L, Laura has successfully obtained Low-Income Housing Tax Credits and gap funding for clients; working in Pennsylvania and New Jersey. She has also assisted with completing Analyses of Impediments to Fair Housing Choice and the reviews of Public Housing Authorities 5-Year and Administrative Plans in five states and Puerto Rico. She specializes in securing federal, state, and local funding through grant writing; sources include the Pennsylvania Housing Finance Agency, the Department of Community and Economic Development, the U.S. Department of Housing and Urban Development, U.S. Department of Agriculture-Rural Development, Federal Home Loan Bank (Pittsburgh, New York and Atlanta), plus Federal HOME, CDBG, and Act-137 funds.
In addition, Laura excels in establishing positive relationships between government, community, and civic leaders, especially though her involvement with the Women in Housing and Finance of Pennsylvania as secretary of the Executive Committee, and the PA Developers’ Council as a member of the Education & Networking Committee.
Lee has worked in the housing and community development field in both the public and private sectors for more than 30 years, including 13 years with M&L. He has extensive experience in comprehensive planning, community revitalization, zoning, and redevelopment planning. He has provided technical assistance concerning federal and state funding programs and regulations and other services to public, private, and non-profit organizations.
Lee received his Master of Urban and Regional Planning degree from the University of Pittsburgh. He is a member of the American Institute of Certified Planners, American Planning Association, and Pennsylvania Planning Association
Karen has been involved in housing and community development programs in Pennsylvania for over 30 years. She has extensive experience in managing CDBG and HOME programs, training clients in these programs and IDIS, and in developing housing and economic development programs and projects.
Karen has worked on numerous downtown revitalization projects, bringing together the interests of developer, city, and the central business district community. In the City of Hazleton, she assisted in the preparation of the financial package for the restoration of the Hayden Tower (formerly the Markle Building) using the Section 108 Program and the development of a near-downtown housing development, The North Pine Street Development. She worked with the City on the implementation of an NSP grant as well.
Karen has been working closely with the CDBG Disaster Recovery grant for Tropical Storm Lee and Hurricane Irene (2011) in both Pennsylvania and New Jersey communities. She has been managing the grant responsible for the buyouts of dozens of homes in Passaic County through the NJ DCA grant award of nearly $12 million. In Pennsylvania, M&L was successful at securing several infrastructure project awards for clients and Karen is overseeing their implementation.
Maxine has been with Mullin & Lonergan Compliance Management (MLCM) since 2005. She has 13 years of property management experience in the affordable housing industry including the Low-Income Housing Tax Credit, Section 8, and Tax Exempt Bond Programs. Maxine is a Certified Apartment Manager (CAM) and maintains a current license as a Notary Public for the state of Pennsylvania.
Maxine’s duties consist of maintaining open and ongoing communication with clients in order to continue to provide excellent customer service; assisting clients by clarifying tax credit practices and procedures; reviewing tenant files for eligibility and compliance issues; generating reports; preparing site specific forms; and assisting clients with preparation for an audit by the state housing agency, investors, or the IRS.
Maxine has been working with the Philadelphia Housing Authority since she started with MLCM and has continued to work with all the staff as well as travel to each site every other week to maintain LITHC compliance, staff training, and all state agency reporting.
Brandon’s primary roles for Monarch Development Group include site identification, development feasibility analysis, deal structuring, development team networking, securing financing, and monitoring through and after construction completion. Prior to his transition to Monarch, he was employed as consultant for five years with Mullin & Lonergan Associates, where he still provides consulting services on a deal-by-deal basis.
Brandon has consulted on or developed over 1,000 units during his housing career. He specializes in Federal Low-Income Housing Tax Credits and has also utilized financing from PHFA, DCED, FHLB, USDA, HUD, and more.
Brandon is an active member of the Pennsylvania Developers Council, serving as the Chairperson of its Housing Policy Committee. He earned his Bachelor’s Degree from Elizabethtown College in 2008.
Whitney has been employed by M&L since 2004 specializing in developing HUD Consolidated Plans, housing needs assessments, and special economic studies for clients across the country. He has worked with a wide range of clients on developing Consolidated Plans using the new eCon Plan tool. In addition, he has worked on comprehensive plans in communities that are trying to better understand the link between housing, transportation, economic development, and trail development. He has provided technical assistance related to all aspects of community development program administration, including HUD compliance and reporting, to clients on an ongoing basis.
Prior to M&L, Whitney was an Associate with EPD, Inc., a national planning and landscape architecture firm in Pittsburgh. Whitney led the creation of multi-municipal plans and zoning ordinances in the Pittsburgh region. As the Director of Research and Planning with East Liberty Development, Inc., a community development corporation in the east end of Pittsburgh, Whitney created the East Liberty Comprehensive Plan, which resulted in millions of dollars in private investment in the community. He wrote the $500,000 HHS grant for a planned Whole Foods development in the community, in addition to predevelopment planning and funding. He has past experience in affordable housing development in the City of Pittsburgh, and worked with local banks and foundations on project financing.
Whitney is well-versed in creating redevelopment plans, economic projections, cost-benefit studies, and main street downtown revitalization plans. He has experience interfacing with a variety of groups and organizations to create a cohesive planning process. He has a Masters in Urban and Regional Planning from the University of Pittsburgh and a BA in Economics from Indiana University.
Rhiannon has professional experience working with rural and urban clients on community and economic development projects in nonprofit, public, and private settings. Prior to joining M&L in 2015, Rhiannon served as a planner for a regional organization in northern Michigan, where she assisted local units of government with a variety of planning and zoning projects and managed a multi-jurisdictional economic development initiative. She has interned with the Detroit Economic Growth Corporation, and has provided GIS and planning consulting services to several private, nonprofit, and public organizations.
Rhiannon holds a Master of Urban Planning and a Bachelor of Arts in Political Science, both from the University of Michigan. As a graduate student, Rhiannon taught an introductory course on Geographic Information Systems and held a Research Associate position with the University’s Institute for Research on Labor, Employment, and the Economy.
Maggie Clark focuses on participatory community economic development from commercial corridors to the regional scale. Maggie worked in the financial inclusion space before becoming a planner, and she now utilizes a place-based perspective and a wide range of research methods to find and implement creative economic development solutions.
Prior to joining M&L, Maggie worked for a small consulting firm that specializes in helping clients in underserved neighborhoods, both urban and rural, catalyze retail and housing development and improve overall economic health. She also spent a year as a Planning Fellow for a Manhattan community board, where she provided research and policy recommendations related to formal and informal businesses. Maggie holds a Master of Science in City and Regional Planning from Pratt Institute and a Bachelor of Arts in International Affairs and Social Enterprise from Northeastern University.
TJ joined M&L in April 2016, having previously worked as a financial sales executive for Vanguard. During his time at Vanguard, TJ developed a wide range of financial knowledge from asset management to tax-exempt investment structuring and advising.
TJ is a third generation member of Mullin and Lonergan, with his grandfather serving as a founding partner and his father currently serving as the firm’s Chief Financial Officer. He is a graduate of the University of Pittsburgh, where he received a BA in Political Science, History, and Economics and is currently a Merit Scholar while pursuing his Master in Business Administration from Saint Joseph’s University. He also holds both his Series 7 and 63 general financial securities brokers licenses and is working towards his Pennsylvania Real Estate License at the Temple University Real Estate Institute.
Outside of the office, TJ is an avid sports fan and can be seen on the golf course or on the basketball and tennis courts as often as possible. He is an active member in his community, serving as a volunteer basketball coach at both Gwynedd Mercy Academy High School and St. Philip Neri grade school.
Prior to joining M&L in 2014, Bette was with the Cumberland County Housing & Redevelopment Authorities for 17 years as the Housing Management Director. She was responsible for the oversight of 13 LIHTC properties, a 130-unit Section 202 property, the USDA Rural Housing program, and the Public Housing program. In addition, Bette has worked with the Project Based and Housing Choice Voucher programs.
Bette obtained her Housing Credit Certified Professional designation in January 2013 and is a Notary Public. She has been certified as a Tax Credit Compliance Site Manager through Quadel and has received her STAR certification in Rural Development (RD) 515 regulations and multi-family housing management principles.
Administrative & Marketing Support
Lenora has managed fiscal services for M&L from the firm’s Camp Hill office since 2008. She works closely with Tom Lonergan in providing our clients specific invoicing, as well as accounts payable and receivables. To keep our offices running smoothly, Lenora monitors payroll, expenses, and insurances for all of our employees.
Prior to working for M&L, Lenora worked as a Medical Laboratory Technician at Hershey Medical Center. Golfing and traveling are great pastimes for Lenora, her husband Jeff, and their two children. In her spare time, she enjoys volunteering and supports the Turtle Hospital in Marathon, Florida.
Holly has provided administrative support to M&L’s Pittsburgh office since 2012 with a consistent attention to detail and a caring attitude. In addition to coordinating all of the office’s proposals, she assists with project production duties such as publishing online surveys, submitting Environmental Review Records, and serving as a Notary Public. Holly also coordinates the Pittsburgh office’s participation in the Green Workplace Challenge, a friendly competition among businesses to increase sustainability and improve the bottom line.
Prior to joining M&L, Holly was an energy educator for a school district serving 38,000 students in the metro-Denver area of Colorado. She has a Masters in Educational Psychology from the University of Colorado Denver and BS in Environmental Resources Management from Penn State University.
Kimberly joined M&L in 2013 and is tasked with providing reception and clerical support for the busy Camp Hill office. She also performs general accounting tasks in support of the Fiscal Services team.
Prior to this position at M&L, Kimberly spent 15 years as an at-home-mom and worked as a volunteer teacher. She has a B.S. from Columbia International University where she studied education. She enjoys drawing, reading, and travelling with her husband, Doran, and their two daughters.