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Teresa O'Dette
As President and Mortgage Consultant of O'Dette Mortgage Group, Teresa O'Dette has been making dreams come true since 1999. She was Production Partner for Lake Tahoe Mortgage Corporation before founding O'Dette Mortgage Group in 2002, headquartered in Tahoe City, CA. Teresa has created "clients for life" with proven systems of constant communication, follow through and making herself and her team available 7 days a week. Teresa and her team are committed to keeping up-to-date on every new loan program, guideline and regulation while delivering the highest level of customer service. Over 90% of her business is referred to her by satisfied clients, realtors, financial planners, CPA's, attorneys and insurance companies. Recognizing the need to better serve her vacation home owner clients, Teresa opened an office in San Francisco in 2008, partnering with mortgage consultant, Ephraim Schwartz. O'Dette Mortgage Group also has offices in Truckee, CA and Incline Village, NV. Teresa also serves on the North Tahoe Fire Board of Directors and is on the Leadership Council and a founding member of the Queen of Hearts philanthropic foundation. She was a guest speaker at the Mortgage Mastery Sales Seminar in 2002 and has been featured in the Sierra Sun and Moonshine Ink. O'Dette Mortgage Group was voted #1 "Best Mortgage Company" by readers of the Tahoe Bonanza and Sierra Sun. Email Teresa O'Dette
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Ephraim Schwartz
Ephraim Schwartz arrived at O’Dette Mortgage Group with a background in Business Analytics and Wholesale Mortgage Lending. He earned his degree in Mathematics from the University of Colorado, where he also minored in Philosophy, and competed on the Freestyle Ski team. In 2008 Ephraim partnered with Teresa O’Dette to form an unparalleled service platform designed to guide clients through a smooth & pleasant transaction in today’s lending environment. Ephraim is dedicated to balancing analytical advice & personal service, while creating a mortgage plan to achieve each client’s financial, equity, and cash flow objectives. Ephraim makes regular educational speaking appearances for Realtors, and borrowers, on mortgage & real estate strategies. As a team, O’Dette Mortgage Group was voted #1 “Best Mortgage Company” by readers of the Tahoe Bonanza & Sierra Sun. Ephraim works out of offices in Lake Tahoe & San Francisco, and makes himself available 7 days a week. When work is done you’ll find him skiing, skydiving, mountain biking, surfing, and enjoying a new challenge. Email Ephraim Schwartz
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Andrew Koijane
As a Mortgage Consultant, Andrew Koijane has handled hundreds of various financing scenarios ranging from home and commercial purchases, refinances and construction loans. Having himself purchased three properties in the Tahoe Basin and two in Portola, Andrew is closely in tune with the various advantages owning real estate provides and can counsel clients in the best direction. Growing up in Palo Alto, California, Andrew moved to Lake Tahoe nineteen years ago and explored ventures as a triathlete and bike shop manager as well as a carpenter. He's now even more firmly rooted in Tahoe with his wife and new baby boy. Email Andrew Koijane
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Ange Worl
Ange Worl, Executive Assistant, compliments our team by assisting in loan processing and client service. As the former Finance Manager at Tahoe City's Cope & McPheters Marine, Ange has easily made the adjustment from financing boats to home mortgage. Ange is a Tahoe native and recently bought her first home in Glenshire. Email Ange Worl
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Anne Helminiak
As a loan processor for O'Dette Mortgage Group, Anne Helminiak brings 18 years of mortgage lending experience to our team including underwriting and loan processing. As a certified Mortgage Master, clients can feel confident that Anne will process each loan with efficiency and speed. Anne grew up in Castro Valley before making the move to Lake Tahoe in 1995. Email Anne Helminiak
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