Education & Experience Set Marimark Mortgage Apart

Despite the pandemic, Mary Catchur says this summer has been some of the busiest months she’s had since opening Marimark Mortgage in the Tampa Palms Professional Center in 2006. (Photo: Charmaine George)

Back in March, as the pandemic was starting to shut life down across the U.S., Mary Catchur of Marimark Mortgage was worried about what that would mean for her business. She was preparing for the worst.

But, in a way it seems no one predicted, from April through September, there was a huge uptick in people buying new homes, relocating, and refinancing their existing homes, even while Mary says the financial markets were reacting extremely erratically to the spread of Covid-19. 

People were hearing that rates were at all-time lows, but lenders were concerned about risk and tightening many restrictions.

“It was a crazy time,” Mary says. “Our phones were ringing off the hook.”

Mary first opened Marimark Mortgage in the Tampa Palms Professional Center off Commerce Park Blvd. in 2006. She says the summer months of 2020 ended up being her busiest season in years — and that has allowed her company to shine, doing what they do best.

“As a small business, we could react quickly to changes that were going on and run our business efficiently,” she says. “People were calling their bank, and the bank was telling them they were too swamped to help, or it would take up to 90 days to close.” 

She adds that when someone comes to Marimark for a home loan, they are offered the same or better mortgage products as the big banks. But, they also receive a wealth of information, and are generally able to close much more quickly than they would with the big banks. In fact, Mary says they were still closing most loans within 30 days. She even had one loan — through a VA loan program — that was cleared to close in four days with a 2.375% interest rate.

Mary is a Certified Public Accountant (CPA) who spent 13 years as an auditor for KPMG (Klynveld, Peat, Marwick & Goerdeler), one of the “Big Four” U.S. public accounting firms, which was founded in The Netherlands. Then, she was the chief financial officer for an internet-based real estate company, in which she established a mortgage division.

As a CPA, Mary understands her clients’ income and tax returns. Her broad financial background helps her clients, especially those with special circumstances — such as being self-employed, or retired and living off of their assets. 

She says other companies may not know how to structure a loan for those clients, because they don’t have the financial background to understand the nuances of the process.

Marimark offers a complete line of financing options, such as conventional loans, Federal Housing Administration (FHA) loans and loans through the Veterans Administration (VA) and U.S. Department of Agriculture (USDA).

Mary is a Pennsylvania native who grew up helping out at her family’s electrical business, but she has called Tampa home since 1979. 

She earned her Bachelor of Arts (B.A.) degrees in Accounting and French from the University of South Florida (USF) and currently maintains her mortgage broker’s license in Florida, Virginia and Pennsylvania.

Her background also allows her a much better understanding of the entire mortgage process.

When you call a bank, for example, the person who takes your application may not have a deep understanding of the underwriting process. Mary says many people who came to her this summer had gotten an initial approval from their bank, but when the loan went to underwriting, there was something that kept it from being approved.

She understands the frustration of being told your loan isn’t approved weeks into the process, and says that hardly ever happens with Marimark.

“Maybe two times in 14 years something has come up in underwriting that I didn’t foresee,” she says, “which is completely the opposite of what I hear happens at the banks.”

Now, she says, she is grateful the craziness of the summer is behind her. She says the industry has stabilized and approval guidelines have loosened.

“Right now is a great time to get financed to buy,” she says. “Rates are still at all-time lows, people can still get loans, and we can help them.”

Education & Support

Ryan Schleich and his wife Summer bought a home in Tampa Palms in August. Three weeks later, they welcomed the newest member of their family, baby Nolan.

While expecting a child and renting, the couple decided to buy a home, and Ryan found Marimark Mortgage through a Google search.

“She was located right around the corner,” he says, “and it didn’t look like a large shop, so I thought there would be a personal touch.”

He says Marimark Mortgage went well beyond his expectations in not only that personal touch but with everything else, too.

“We are first-time homeowners and it was absolutely overwhelming,” Ryan says. “I previously worked in foreclosures, so I knew the process, but doing it on my own would have been hectic and anxiety-ridden. Mary was very organized, went through options of different programs, and explained the different types of mortgage and loans. She was very informative — even before we agreed to work with her.”

Mary encourages anyone who is considering buying a home to do a Google search for her company. She says a quick read through the many positive reviews will help you — like it did Ryan — understand how she treats her customers.

“My approach is straightforward and educational,” Mary says. “When I got into the business, I saw a real need to educate people so they would know why the product they were getting was better for them.”

Mary says she shouldn’t be the one choosing a loan product for a client, but it’s important for her clients to be fully educated about their loan. For example, maybe you’ve been offered a low rate, but do you know what fees you have to pay to get that rate?

“Maybe the most important thing to you is getting the lowest possible payment,” she explains, “or maybe it’s paying the least amount of money over the life of the loan, but we need to talk about your entire scenario and what your goals and needs are.”

Mary also is proud that Marimark offers a streamlined, efficient process, with great communication. She uses technology to her clients’ and her company’s advantage, such as, for example, automatic notifications every step of the process.

“Communication, particularly through Covid, has been key,” Mary says. “We have to be up to date on what’s happening, and we constantly communicate to our clients how that affects them.”

Marimark Mortgage is located at 5327 Primrose Lake Cir. For more info, visit MarimarkMortgage.com, call (813) 910-8020, or see the ad on page 31 of this issue.

Emergency Response Times In New Tampa A Concern

Joe Greco of the Tampa Firefighters Local 754 said that improving TFR Station No. 13 near Busch Gardens should take precedence over improving poor emergency response times in New Tampa.

Everyone seems to agree that the City of Tampa doesn’t have enough fire rescue stations, and it is now time for city officials to figure out a solution for the entire city, but especially in New Tampa.

That was the message at the Tampa City Council meeting last month, from council member Luis Viera — who represents New Tampa in District 7, a district which may be the area most at need — proposing that the city come up with a citywide master plan for all public safety needs, including police, fire rescue and EMS.

“We have a master plan for Parks & Recreation, which I’m in favor of, but we should also do it for public safety, given the many deficits we face,” Viera said at the Council meeting.

Much of the debate centered around a report by the International Association of Fire Fighters (IAFF) that showed a number of weaknesses in Tampa’s fire rescue network.

Although it was only touched on briefly, Viera expressed concern about one troubling statistic revealed in the report — four of the six City of Tampa Fire Rescue (TFR) stations with the slowest response times are located in New Tampa.

New Tampa is home to four of TFR’s 23 stations: TFR Station No. 20 (located on Bruce D. Downs Blvd. in Tampa Palms), Nos. 21 and 22 (located off Cross Creek Blvd.), and No. 23, which opened in 2019 on Trout Creek Ln., just south of County Line Rd.

Another TFR station is planned for the K-Bar Ranch area, which will have nearly 2,000 homes when it is built out.

According to the IAFF report, the first arriving fire rescue apparatus should be on the scene within four minutes of travel for 90% of incidents that require an emergency response.

From June 1, 2017, to May 31, 2019, New Tampa’s TFR stations 20 and 21 were the two slowest, at 10 minutes of response time each, and Nos. 22 and 23 tied for the third slowest response times at 8 minutes each.

The New Tampa response times may have more to do with physical distance from the stations and our area’s congested roads, however, as all four stations rank near the bottom of all TFR stations when it comes to the number of emergencies responded to by each of their rescue, engine units and truck companies.

Viera visited all four stations on Thanksgiving Day to discuss possible solutions. “The New Tampa fire rescue people told me that K-Bar Ranch is the biggest challenge,” he says.

Even so, Fire Station 13, which also is in Viera’s district and is located at 2713 E. Annie St. near Busch Gardens, was a far greater concern at the Nov. 18 City Council meeting. It is the busiest station in Tampa by far, according to Firehouse Magazine, and the 20th busiest in the country.

Viera called it a “very very challenging station” and called for immediate relief for the station in the form of a new engine or a new facility.

Joe Greco, Tampa Firefighters Local 754 president, said that the money that was included in the latest budget to build another station in New Tampa should instead be directed to address Station 13’s needs.

“Twenty five percent of all calls for service in the city of Tampa are in Station 13’s first alarm territory,” Greco said. Greco added that nearby TFR Station Nos. 7, 11 and 18 answer as many calls in Station 13’s area as Station 13 does, due to the high volume.

The City Council will come back in January with a plan of action to bring Station No. 13 immediate relief, and passed Viera’s motion for a workshop to tackle the city’s public safety master plan in March.

Tampa Palms Family Praying For Kidney Donor

Raj Guntuku is suffering from kidney failure, and his family is desperately seeking a donor so he can return to his normal life of chasing his dog Benji around. (Photos provide by the Guntuku family)

Raj Guntuku is like many 13-year-old boys — always smiling, always moving, whether he’s dancing, shooting hoops, playing video games or chasing Benji, his 70-pound Golden Doodle, around the house.

He is a second-degree blackbelt in karate, which he has been practicing since he was only 5. He loves watching videos to learn tricks like juggling and dice stacking to show his family. And, he can solve a Rubik’s Cube in mere seconds (16, to be exact).

However, unlike many 13-year-old boys, Raj’s kidneys are failing him. In October, he was diagnosed with chronic kidney disease (CKD), which is characterized by the gradual loss of kidney function. Doctors say Raj is in Stage 5, and his kidneys are now operating at less than 10-percent of normal function and will not recover.

His family has turned to social media, as well as their Buckingham neighborhood in Tampa Palms, to help find a transplant donor — going door-to-door and handing out flyers asking for help. If there is an available live kidney donor out there for Raj, his dad Nehru, mom Radha and sister Bhavika are intent on finding them.

“It’s four people, but one of us has to be with him, so we spread out as much as we can, house to house, ringing door bells,” Radha says. 

More than 90,000 people nationwide are on a waiting list for a kidney donor. Raj is on the waiting list at Tampa General Hospital, where he receives dialysis on Mondays and Fridays, and sometimes on Wednesdays if his body requires it.

In a short span, Raj — or Bunny to his family and close friends — went from a kid with boundless energy to one visibly struggling with an undetected illness.

In early September, he vomited upon waking up, which his parents attributed to returning to a school schedule after a summer of sleeping in.

But then, it happened again a few weeks later, and then another time after that. For a moment, Radha says she feared Raj had contracted Covid.

It was discovered that Raj had lost 8 pounds since his last visit in March to the pediatrician, but everyone in the family had lost weight during Covid because they hadn’t been eating out. His doctor thought it might be a stomach flu, and Raj was put on a stricter diet heavy on liquids.

It didn’t help. His doctor ran some blood tests, and did not like the results, Radha says. 

“They were way off,” she says.

However, another test confirmed the numbers and, after a visit to Tampa General Hospital for more testing, it was determined on Oct. 7 that his kidneys were not working and that he needed dialysis immediately.

Two days after his first dialysis treatment, Raj had a seizure. While watching television, he had suddenly frozen, biting his lip so hard it began bleeding. The doctor said the seizure was caused by his low sodium levels, so an additional dialysis on Wednesdays was added to his Monday and Friday routine.

He also developed a serious rash around the catheter in his chest, another cause for concern for his family, due to fear of infection. Raj wears socks on his hands and sleeps in between his parents, who each hold one of his hands so he doesn’t scratch the area. 

“I can’t imagine all this has happened in less than (a few) months,” Radha said. “It’s crazy. Even if he coughs, or if he yawns, everyone looks around like, is he okay? It’s like living in fear. Nothing is normal.”

Raj’s parents, who are both software engineers, cannot donate their kidneys due to other health issues. Bhavika, who is 17 and a senior at King High, isn’t old enough to donate one of hers (you need to be 21).

So, Raj and his family pray that a living match can be found. While a kidney from a deceased donor is still an option, those tend to be less reliable compared to those from living donors, which are healthier and usually function immediately, as opposed to taking days or even weeks to begin functioning on their own.

The longer the lifespan and healthier the kidney, the better for Raj, who will almost certainly need another transplant in 15-20 years.

“He will have to undergo the process again, so if a transplant can last for at least 20 years, he can get back to his normal life,” Radha says.

A normal life that includes sports, dancing and chasing Benji around the house, like a regular 13-year-old. While not a day goes by that she doesn’t worry, Radha says her boy has another trait shared by many 13-year-old boys.

He is fearless.

“I did not expect it out of him, to be honest,” she says. “I am really really surprised how he is able to take all this. When I go to the hospital I am more scared and more tense, and he is doing much better than me or my husband. But, everyone is praying for him. And I think the prayers are what are making him be strong.”

The kidney donor for Raj must have O+ or O- blood, be between the age of 21-49 and not be diabetic or have any known kidney issues. Visit tgh.org/services/transplant/kidney-transplant/living-kidney-donor-program for more information. 

If you know someone or would like to help, call (813) 748-7235 or (813) 995-4815.

Why I’m The ‘Logical’ Choice To Be The Next ‘Jeopardy!’ Host!

Alex Trebek (photo: @Jeopardy)

Those of us who have appreciated really hard trivia for the last 37 years are likely still mourning the Nov 8 passing of long-time “Jeopardy!” host Alex Trebek.

Trebek somehow lived two full years following his pancreatic cancer diagnosis, something of a feat in itself (although I’m no doctor, I have known several people who only lived a few months after receiving their diagnoses, depending upon the stage), but he was still taping his 37th season of “Jeopardy!” episodes up until a few weeks before he passed.

Trebek is a role model for not only every game show host, but also for a certain news magazine editor who auditioned to be on the greatest game show of all time (but didn’t make it) — twice — and who had what I’m hoping is a unique exchange of words with the late “Jeopardy!” host.

But First: A Little Background..

Gary Nager, Jeopardy host?

I don’t remember what age I was when I first was flipping through my seven original TV channels (CBS, ABC, NBC, PBS and the New York independent stations — Channels 5, 9 and 11) and saw the late, also great Art Fleming hosting the original “Jeopardy!,” which also featured the dulcet tones of announcer Don Pardo.

All I knew was that, as a youngster, I had finally found a place to unleash my truly “encyclopedic” knowledge of…well, as close to everything as I could get (which wasn’t very close, but still) — almost all of which was gleaned not so much from school, but from reading every individual letter edition and every year’s Year Book (beginning around 1963) from our World Book Encyclopedia set. Imagine me as a little smarter version of Joey on “Friends” who loved that my parents purchased more than just the letter “V” for us.

Most of my close friends were smarter and did better in school than I did, but I knew I was pretty good at writing and great at “Jeopardy!” I also knew that someday, I would get on the show, win some money and impress the producers enough to have them grooming me to replace Fleming — who couldn’t last forever, could he?

And, even though Fleming’s first run with the show ended when producer Merv Griffin’s original “Jeopardy!” was shut down in Jan. 1975, Fleming was brought back for a couple of other revivals of the show, which again ended in 1979. In 1984, Trebek’s first year as the host of the new syndicated version of “Jeopardy!,” I flew out to Los Angeles to audition for the show I knew I could win. “All I have to do is study up on some British royalty and classical music and I’ll dominate,” I kept telling myself.

Well, that trip from NYC to Hollywood didn’t have a Hollywood ending for me. At the 20-question test the producers give you during their regular L.A. “talent searches,” I felt pretty good about myself. All of the questions would have been $800 or $1,000 questions at that time (those were the highest amounts during “Double Jeopardy” back then), and I was happy to get 15 of 20 correct. 

I totally had no idea about a European history question that had to do with Prussia or another about a Pope from the Middle Ages, and I only got one wrong I really thought I had correct…in the (gulp) Sports category (my best back then) about a baseball pitcher from the Old Negro Leagues who wasn’t named Satchel Paige (I think I said Don Newcombe). My 15 out of 20 correct missed by one to qualify me to get to play a mock version of the game. I think they selected 18 of about 120 people to do that. 

Two or three years later, “Jeopardy” brought its talent search to Manhattan’s renowned Radio City Music Hall, where 400 or so people came to audition and they were going to limit the selection to only 50 or so people to advance to that mock game round.

This time, I got 16 of 20 questions correct but felt that the questions had something of a gender bias. Of the four $800 & $1,000 questions I missed, one was in the “Female Poets” category (of course, it couldn’t be Emily Dickinson), one was “Women in History” (and not Cleopatra, Helen of Troy, Amelia Earhardt or Golda Meir) and one was about tapestry making. Oh, and one that I got right was “Female Olympians” (Wilma Rudolph).

I knew, as soon as they said it took 17 correct answers to be called on stage that I hadn’t made it — and I was pissed. I called out to that super smooth, somewhat smug guy announcing those who had advanced “Yo, Alex.” To my surprise, he looked right at me and said, “Yes?” 

“Ummm, do you notice anything similar about most of the people (more than 3/4 of which were women 40 & older, an apparently desired demo for the show) on stage? While other people yelled “Sour grapes,” all Trebek said was, “Better luck next time.” I don’t think I said, “I’ll have your job someday,” but I know I thought it.

So, even though I was never a contestant, much less a champ (like current interim host Ken Jennings) — really, who deserves the gig more?

I’m just kidding. I admired Alex Trebek a lot and wish that I could have done what he did, but no one will ever be able to truly replace him.  

New Tampa Aldi Is Under Way

The likelihood of a transformation at the old Sweetbay isn’t the only new thing coming to New Tampa.

In fact, The Walk at Highwoods Preserve area located right across the street Bruce B. Downs (BBD) Blvd. from the former Sweetbay may be a busy corner in the coming new year.

The busy area already has added three new restaurants — Oronzo Honest Italian (see story on pages 26-27), Michi Ramen and Gu Wei — and an F45 Fitness center this year. It also has seen big box electronics giant Best Buy and home furnishings chain Pier 1 Imports close up shop, potentially giving way to future new tenants.

And, additional Highwoods Preserve Pkwy. businesses — the former Starbucks and Jimmy John’s sub shop — are being prepped for new tenants.

And yes, construction has finally begun on the new Aldi grocery store on the southwest corner of Highwoods Preserve Pkwy. and BBD.

On Nov. 23, crews began tearing down the old Ruby Tuesday restaurant. By Thanksgiving, the 2.36-acre lot, purchased by Leon Capital Group in 2018 for $2.82 million, was mainly home to a mangled mess of metal and concrete.

The Aldi was approved back in January. It will be 19,160 square feet — almost four times the size of Ruby Tuesday — with 106 parking spaces.

Developers of the popular German discount chain also are adding a sidewalk for pedestrians and those who use the bus stop at the same corner. 

There is still no word about when, or if, the once-planned $5-million renovation of the AMC Theater at Highwoods Preserve is happening. 

Unfortunately, the movie industry has been hit hard by the coronavirus pandemic. In October, AMC warned investors that it could run out of cash by the end of the year. Around the same time, Regal Cinemas shut down all its theaters.

FOR WHOM THE (TACO)BELL TOLLS: Well, it’s official — according to City of Tampa permitting records, the Circle K at the corner of  Doña Michelle Dr. and BBD is expanding, and that expansion will eliminate the Taco Bell and Shell-branded gas station currently attached to it.

Circle K Stores, Inc., which had a pre-application consultation in August looking to redevelop the existing Shell gas station to become a larger Circle K gas station, is going ahead with those plans.

A site plan submitted Nov. 24 shows the current convenience store expanding to a 5,187-sq.-ft. store.

The Taco Bell is being replaced in by five parking spots and a sitting area, as well as a second proposed entrance/ exit behind the convenience store. The canopy over the gas pumps also will bear the Circle K logo.

The AMC Theater, which had to postpone a major renovation project after being been hit hard by Covid-19, and the former Ruby Tuesday restaurant, which will be replaced by Aldi, also are on the east side on BBD.