Let Marimark Mortgage Help You Find Financing For Your Dream Home

When Mary Catchur opened her Tampa Palms-based Marimark Mortgage business in 2006, the housing market in the Tampa Bay area was at a high point in terms of prices and sales. The ensuing decline in prices and sales that imploded the industry in 2008-10 resulted in new regulations requiring more scrutiny by lenders and disclosure to borrowers.

While some mortgage professionals may chafe at the increased oversight and additional rules, Catchur says embracing their intent — ensuring that homebuyers make informed decisions — provides a way to stand out among mortgage brokers.

“We all have the same products and very similar rates,” Catchur says. “What differentiates me and my business from other people in the industry is our level of service and our commitment to educating the homebuyer.”

Even with all of the new regulations intended to improve the level of service extended for homebuyers, Catchur encounters many who say they haven’t benefitted. 

“I get people calling me all the time that have talked to three or four other lenders, and even at that point, they don’t have a clue whether they’ve been qualified for an FHA mortgage, whether it has mortgage insurance on it, or the fees associated with the rates,” she says. “That’s a real issue in the industry right now and that’s why we keep getting more and more compliance (rules) and guidelines. But, to me, all of those things that people fill out do nothing to take the place of what is really required, which is explaining to the borrower exactly what they’re doing, what product they’re applying for and what their alternatives are to that product.”

One way that Catchur responds to this problem is with digital media. She creates online videos, writes a blog and publishes a newsletter she circulates online to inform consumers about the mortgage marketplace, from the rules governing it to trends within the industry nationwide and in the Tampa Bay area. Her social media footprint covers everything from Facebook to Pinterest and it can all be accessed from her website, Marimark.com.

Topics that Catchur covers include so-called piggyback mortgages (using two loans to buy a home), the different factors influencing a loan interest rate and various types of mortgages and tax breaks associated with real estate transactions.

The internet also allows Catchur to conduct business with customers, both local and from around the world, who are looking to move to Florida or the other states in which she is licensed to do business, such as Virginia and her home state of Pennsylvania. She moved to Tampa from the Keystone State in 1979 to attend the University of South Florida (USF). She earned both a Bachelor of Arts degree in French and a Bachelor of Science degree in Accounting from USF.

Catchur says her office in the Tampa Palms Professional Center, off Commerce Park Blvd. (just north and west of the intersection of Bruce B. Downs {BBD} Blvd. and Tampa Palms Blvd.), puts her at the center of many long-distance inquiries.

“I get a lot of people relocating here who find me online,” she says.

Catchur adds that she works hard from the beginning of a client relationship so that in the end, everyone leaves the closing table happy. Just as she keeps her customers fully informed about their options, she expects the same level of disclosure in return.

“From day one, I take a very thorough application to determine what their exact needs are and what unusual circumstances they might have, such as an unusual employment situation or way of being paid,” says Catchur, who lives in New Tampa.

Getting The Financial Picture

She cites her 20-year background as a Certified Public Accountant (CPA) as providing the analytical tools needed to derive meaningful information from financial documents provided by her customers, many of whom collect their earnings in ways other than a weekly paycheck, such as entrepreneurs, freelance professionals and executives with compensation packages.

In an economy where many people are working as an independent contractor rather than as an employee, it is not an unusual situation. And, when you add in the regulatory oversight regarding things like financial gifts, the reporting task becomes even more complex, making financial knowledge and experience even more useful to successfully close a deal.

“You have to understand the whole picture before you decide which product to apply for,” says Catchur.

One case where Catchur’s expertise made it possible for a homebuyer to acquire a loan is that of Donnie Welsch, a subcontracted salesperson for a manufactured home company. He was looking forward to moving into a home in Wesley Chapel’s Lexington Oaks community with his wife and 18-month-old son, when the financing through a national bank fell through. He credits Catchur’s expertise for being able to get financing when the situation looked grim.

“Mary understood the guidelines and she was successful in getting it done through Freddie Mac (aka the Federal Home Loan Mortgage Corp., a federal government-sponsored enterprise which purchases loans from vendors to replenish their supply of funds so that they can make more mortgage loans to other borrowers) because she understood the situation and how to present my file to the underwriters,” says Welsch. “Now, me and my family have the house that we were desiring. If someone is looking to get a loan closed I would definitely recommend her.”

According to Catchur, that closing will likely happen sooner rather than later.

“We close most our loans in 30 days or less,” she says.

During the time the loan is being processed, customers and other interested parties are kept informed with automated responses that are generated as the steps of the transaction are initiated and completed, such as when a home appraisal has been ordered.

“We keep everybody informed every step of the way,” Catchur says.

Catchur offers a complete line of financing options, such as conventional loans, Federal Housing Administration (FHA) loans, loans through the Veterans Administration (VA) and U.S. Department of Agriculture (USDA), as well as “Jumbo” loans (a home loan of more than $424,100 for one unit). One new financial product Catchur says she is able to offer is a one-percent-down loan.

An emerging trend in the mortgage market is that many people who have a financial blemish such as a previous bankruptcy, foreclosure or short sale are interested in buying a home. Catchur says she’s willing to take a look at their situation.

“A lot of the waiting periods with those things are at a point where people can do things like buy a home,” she says.

Catchur, who is the treasurer for the Florida Association of Mortgage Professionals, says one reason she is successful is that she gets a lot of referrals and repeat customers. She credits that to applying something she learned while working in her father’s electrical company in Scranton, PA, to her own business.

“You treat people right and you educate them so they know what they’re doing,” she says.

Marimark Mortgage is located at 5327 Primrose Lake Cir. For more info, visit MarimarkMortgage.com, follow Mary on Twitter via @MarimarkM, view her Instagram account @marimarkm, or call 910-8020. 

Apartments, Learning Experience Under Construction

A new luxury apartment community has broken ground on Highwoods Preserve Pkwy. across from the Muvico Starlight 20 movie theaters, and could be a boon for those seeking corporate lodging in the future.

The Oasis at Highwoods Preserve will offer 1-, 2- and 3-bedroom apartment homes, and “the amenities are incredible,’’ says Anna Hoang, a spokesperson for Picerne Real Estate Group, which is one of the largest diversified real estate management and development firms in the country.

Some of those amenities include a clubhouse with computers with free WiFi, faux wood flooring, a dog park, a theater room, cabanas and outdoor grills and a beach entry, saltwater pool.

Hoang says special added touches, like soft-closing drawers, granite countertops, crown molding and distinct archways will “make it feel more like a home than an apartment.”

The Oasis at Highwoods Preserve will have 302 units, and will be four stories tall, with elevators.

Construction began earlier this month, and the first building is expected to be completed by September, with a grand opening of the entire community in spring of 2018.

For more info, visit Picerne.com.

A New Learning Experience

New Tampa and Wesley Chapel continue to be fertile ground for companies offering a mixture of childcare and early education, and the latest entry into the local market is The Learning Experience.

Work has begun on the physical structure of the new facility, which will be  located at 20780 Trout Creek Rd. The Learning Experience will be almost directly across from the Wesley Chapel Super Target, but on the New Tampa side of County Line Rd.

The facility will be large. According to site plans on the City of Tampa website, The Learning Experience is being built on 1.39 acres and will be a 10,000-sq.-ft. facility, with a 9,310-sq.-ft. playground.

A similar venture, the Goddard School in Wesley Chapel, is opening a mile or so to the north off Bruce B. Downs (BBD) Blvd., across from Florida Hospital Wesley Chapel.

The Learning Experience offers childcare and early education for kids ages six months to six years old.

According to the company’s website, the curriculum includes sign language for infants and toddlers, a phonics program, foreign language programs (like Chinese), manners and etiquette, physical fitness and a philanthropy program that teaches children the value of selflessness and giving.

Boca Raton-based The Learning Experience was founded in 1979 by Michael and Lina Weissman, and is currently run by their son Richard. It began franchising in 2003. Forbes.com picked it as one of the top franchises to own in 2015, with $42.6-million in revenue that year from its 200-plus locations, as well a 73-percent growth rate over the three preceding years.

The Learning Experience uses its proprietary L.E.A.P.ÂŽ (Learning Experience Academic Program) that is guarantees will provide children with exceptional core academic skills. For more info, visit TheLearningExperience.com.

La’ Berry Yogurt Cafe Grand Opening Saturday!

If you’ve never tried the La’ Berry Frozen Yogurt & Ice Cream Café at 20304 Trout Creek Dr. off BBD (in the same plaza as Burger 21), the good news is that this frozen yogurt café (which also has great sandwiches and other food items) is adding homemade Working Cow ice cream.
The ice cream Grand Opening for new La’ Berry owners Urvesh and Trina Patel (pictured) will be Saturday, February 4, 11 a.m.-10 p.m. Come check out not only the 16 flavors of new ice cream, but also the 80 available toppings for it, as well as La’ Berry’s healthy panini, wrap and other sandwiches. They will also be giving away free yogurt and 25 percent off your entire order with coupons in the latest New Tampa edition of the Neighborhood News, and giftcards to the first 25 customers.
“Nobody in the area offers Working Cow ice cream and most ice cream places don’t do toppings like yogurt places do,” says Urvesh. “We focus on less fattening food items for our customers who are health-conscious, but still want great taste.”
For info call 345-8537 or visit LaBerryFrozenYogurt.com.

Dr. Duga & Dr. Feeney Can Help Your Child’s Smile Last A Lifetime

Pediatric dentists Dr. Paul Duga, DDS (left), and Dr. Shawna Adams-Feeney, DMD, have been brightening smiles in New Tampa for nearly two decades, and their caring, professional staff and child-friendly office are as well known as any in this area.

Your child’s wide and toothy smile may easily brighten a room, but ensuring that his or her teeth are healthy requires good dental hygiene at home and the kind of care that professionals like those at Dr. Duga, Dr. Feeney & Associates Pediatric Dentistry has been providing in our area for 19 years.

The colorfully decorated office in the Somerset Professional Park in Tampa Palms (located off Bruce B. Downs [BBD] Blvd. and Amberly Dr.) has more video game consoles than X-ray machines and the approach to dentistry is child-friendly as well, for a practical reason.

“Doctor Feeney and I feel it is most important to provide one-on-one personalized care,” says Paul Duga, DDS (Doctor of Dental Surgery). “Kids are not little adults. They need that familiarity, so it’s not a clinic where they see a different dentist every time.”

Shawna Adams-Feeney, DMD (Doctor of Medical Dentistry) says that part of the attraction of pediatric dentistry for her is the chance to make a difference in a young person’s life.

“I like working with kids because we have the ability to help them establish good habits early,” she says.

Although Dr. Duga and Dr. Adams-Feeney (who are both Board-certified pediatric dentists) share the goal of providing a welcoming dental home for New Tampa’s children, they say they reached it in different ways.

After earning his DDS degree from the Marquette University School of Dentistry in Milwaukee, Dr. Duga says he worked as a general dentist in Milwaukee for a few years before becoming interested in pediatric dentistry.

He followed up by earning his Certificate in Pediatric Dentistry from the Louisiana State University School of Dentistry in New Orleans, an experience that, he says, validated his belief that children’s dental needs are best served by specialists.

“Every day, something came up that improved my knowledge base and skills to care for kids,” Dr. Duga says. He adds that there’s a good reason to choose a pediatric dentist over a general dentist to meet the oral health needs of your children.

“With kids, things are dynamic, always changing,” he says.

For Dr. Adams-Feeney, pediatric dentistry was always her professional goal and she earned her Certificate in Pediatric Dentistry from the University of Connecticut Children’s Medical Center in Hartford, after receiving her DMD degree from the Tufts University School of Dental Medicine in Boston.

“I like working with kids,” Dr. Adams-Feeney says. “We have the ability to help them form good habits early and create good patients from the start.”

Getting Started Early

When it comes to pediatric dental health, Dr. Duga says that starting early means seeing a dentist by the time a child is between 12 to 18 months old, both to establish a clinical relationship and monitor oral development. Those early visits also are opportunities for parents to get information about caring for their child’s gums and teeth. Dr. Adams-Feeney stresses the importance of baby teeth in overall dental health.

“If you lose a baby tooth early, teeth can shift and that can cause problems when permanent teeth erupt, which can cause problems with bites,” she says, adding that dental health also can play a role in a child’s school performance.

“Dental issues are the number one reason children miss school,” she says.

Services available at the practice include examinations, cleanings, sealant placement, tooth repair such as fillings and crowns, as well as cosmetic whitening and orthodontic alignment.

Digital X-ray technology is used, which produces images with less radiation, and sedation dentistry with nitrous oxide is available if a young patient is particularly nervous about having a dental procedure.

Perhaps one of the best means of easing anxiety in young patients, however, is the overall ambiance of the dental practice. The walls at the office of Drs. Duga and Adams-Feeney are decorated with an aquatic-theme mural, video games and kid-friendly reading material, while overhead video monitors allow patients to enjoy some of their favorite shows while being treated.

There’s also an understanding that a pediatric appointment may require a little more flexibility on the part of the staff, says Dr. Adams-Feeney.

“We work on kid time,” she says. “Sometimes we really have to work with them to make it a positive experience.”

That flexibility means being available for families when dental emergencies come up outside of normal office hours.

“One of us is always on call, so if something happens on a weekend, we can still be reached,” Dr. Adams-Feeney says.

Another example of the practice’s commitment to its patients is that the two doctors continue seeing their patients through their college years, ensuring continuity of dental health at a time of great personal change.

“Otherwise, sometimes if they go away to college, they won’t see a dentist during those four years,” says Duga. “During winter break, we get a lot of our college kids coming back.”

A History Of Care & Caring

Dr. Duga established the practice in 1998 and he has been an active resource in the New Tampa community by participating in events such as the Hunter’s Green Health & Safety Expos, supporting local schools and sports teams and working with Christina’s Smiles, a national nonprofit organization that provides dental care to children whose families have trouble affording it.

With February marking National Children’s Dental Health Month, Dr. Duga says the practice’s dentists and staff will be out and about in New Tampa schools spreading the word about oral health and dispensing bags filled with dental treats such as toothbrushes.

“We want to be part of the community because (New Tampa is) like a small town in a big area,” says Dr. Duga, a longtime Tampa Palms resident.

The practice’s business coordinator Renee Mari says that meeting the dental needs of their young patients is the mission of the staff at the office, but accommodating the expectations of their parents also is an essential element of its success. Mari ensures that things go well on the administrative side of the relationship.

“We’ll work hard with you to determine how your insurance benefits work in our office,” says Mari, who also emphasizes the importance of first impressions. “We extend a friendly, caring approach to every patient that comes in the front door.”

Sometimes, the patients come in as a group, such as when Lori Simon brings her six children, whose ages range from three to 17, in for checkups, cleanings and treatments.

“I love the staff,” Simon says. “I actually moved from New Tampa to Dade City but we still go there because they’ve always been very responsive and willing to work with the kids.”

New Tampa resident Rebecca Berton says her two children, ages five and seven, also have found a welcoming dental home with Drs. Duga and Adams-Feeney.

“Even when they’re little (the doctors) tell them what they’re doing, and they’re always very friendly,” Berton says, adding that she has received a lot of knowledge and support from the staff regarding the daily dental care needs of her children.

“They’ve been coaching me how to take care of their teeth and what kind of toothpaste is best for different stages of their lives,” Berton says. “They also come in and support what we’re trying to instill in them — to have good habits for healthy teeth —so it’s not just mom saying sugar’s not good for them.”

“Dr. Feeney and I really want the parents involved,” Dr. Duga says. “It’s not a situation where a parent can’t come back and ask questions.”

He adds that the goal is to achieve a positive outcome for the practice’s young patients by the time they’re ready to go out on their own.

“We practice conservative dentistry and try to establish lifelong healthy habits so our patients can become adults with virtually no dental concerns,” he says.

Dr. Duga, Dr. Feeney & Associates Pediatric Dentistry is located at 15293 Amberly Dr. You can learn more about their services by visiting DrDugaDrFeeney.com or by calling 631-1100. 

Editorial: Stay Tuned Right Here For WCNT-tv & Taste Of New Tampa Updates!

Less than two months before the 2017 Taste of New Tampa & Wesley Chapel — which will be held on Saturday, March 18, noon-4 p.m., at the new Florida Hospital Center Ice (which now has ice!) — I’m ecstatic to say that my restaurant committee is already surpassing my expectations.

As of our press date — January 19 — we already have 30 restaurants that have verbally committed to participate in the Taste! The truly amazing thing to me, however, is that when we recorded Episode 15 of WCNT-tv (Wesley Chapel & New Tampa television) just four days earlier, we only had 23 restaurant commitments and two maybes (see below).

In other words, virtually every restaurant we’ve spoken with has jumped at the opportunity to give away samples of their cuisine to what we expect will be at least 3,000-5,000 attendees. Everybody seems to want to have a chance to be inside the largest ice skating and hockey facility in the southern U.S. for what was the New Tampa/Wesley Chapel area’s signature event for 20 years, even though it’s now been four years since the Taste was held.

George Stella

The Taste, which is being put on for the first time by the Rotary Club of New Tampa (which meets Fridays at 7 a.m. at Tampa Palms Golf & Country Club), will also feature a live cooking demonstration by formerly 465-lb. celebrity chef and author George Stella, whose popular show on the Food Network is called “Low Carb & Lovin’ It.”

There also will be beer and wine available at the Taste, plus great musical entertainment and emcee/Rotarian Bob Thompson will make the rounds to every restaurant and sponsor booth at the event to help our food and beverage providers and sponsors give away some great prizes throughout the day.

And more great news is that the website TasteofNewTampa.org is now live and will provide regular updates about the event’s sponsors and all of the participating restaurants as they commit to participating. You’ll also be able to purchase Taste tickets on the site shortly and, since Taste proceeds will benefit the Rotary Club of New Tampa Foundation, a 501(c)(3) nonprofit organization, your Taste ticket purchases may be tax deductible!

Here is the list of restaurants that had committed to participate in the Taste, whether verbally or in writing, at our press time:

•Stonewood Grill & Tavern
•Ciccio Cali
•Vuelo Mexican Grill
•The Private Chef of Tampa
•Paramount Lebanese Kitchen
•GrillSmith
•Dempsey’s Steak House (Saddlebrook)
•Little Italy’s
•Old Heights Bistro
•7 Layers Bakery
•Top Shelf Sports Lounge (FHCI)
•McDonald’s
•PDQ
•Union 72 BBQ
•Sonny’s BBQ
•Cantina Laredo
•Happy Cow Frozen Yogurt
•Charley’s Cheesesteaks
•Tijuana Flats
•Culver’s
*Pepe’s Cuban Cafe
•Buttermilk Provisions
•Arroy Thai
•The Cake Girl
•BJ’s Brewhouse
•OTB Delights Café
•Nothing Bundt Cakes
•Jimmy John’s
•Buffalo Wild Wings (probable)
*Cheddars Scratch Kitchen (probable)

Look for more updates in these pages, on WCNT-tv and at TasteofNewTampa.org!

And, Speaking of WCNT-tv…

The full-age ad in our latest issue touts the accomplishments and viewership to date of WCNT-tv. Episode 15 of WCNT-tv debuted on YouTube the same day we went to press with current issue, but we are pulling some fairly impressive numbers, at least in my opinion, through the first 14 full-length episodes and special reports that have aired to date.

Our Facebook reach is now at more than 334,000 people, up nearly 100,000 people since our last update in these pages.

We’ve also now had nearly 64,000 views on YouTube (which, we’ve been told, are usually much harder to come by than Facebook views) and nearly 83,000 views on Facebook itself for all of the segments combined.

Those may not be local TV station numbers…at least not yet…but with some episodes garnering as many as 10,000 views and with all of the big news coming up over the next several months, my partner Craig Miller (of Full Throttle Intermedia) and I are confident that we’ll soon pass a reach of half a million people and more than 100,000 views each on Facebook and YouTube.

Craig and I again thank our exclusive webcast partner, the Greater Wesley Chapel Chamber of Commerce, and our Studio Sponsor, Florida Hospital Wesley Chapel, for believing in this project and trying a different way to bring attention to local businesses. Subscribe to the WCNT-tv YouTube channel today!