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TESTIMONIALS


"We've done several refi's and you are the best company we have used.  We always knew were we were in the process.  Your's is the first CD we've received for all the paperwork - Thanks!"
Lesley, San Francisco, CA

May 3, 2012 

To Teresa and Staff at O’Dette Mortgage Group; 

It has been a pleasure to work with you all, once again! 

After completing five mortgage transactions with your company over the past 2 ½ years, I have nothing but kudos!  Each person at your company is a consummate professional, always communicating effectively, in a timely manner and with patience and kindness.  No question is ever too silly and explanations are thorough.  You are all on top of things every step of the way and you are there to hold our hands through the process, when necessary.   

I appreciate that you do things when you say you will do them, and always with the utmost integrity. 

You have shown that you can be creative in tricky loan situations and search for the best and smartest loans for the situation. 

It is a pleasure doing business with such a truly remarkable company.  I would never use anyone but you and always recommend you to friends.  On a scale of one to ten, with ten being a perfect score, I would not hesitate to give you a TEN! 

Thank you for the great service.  You are a company that deserves accolades!

Sincerely yours, Elizabeth B. NormanLiz Norman, South Lake Tahoe, CA

"Ephraim was professional, forthright and available whenever we needed him."

Kevin & Millie, San Francisco, CA

"I heard you say that you focus on leadership and not management with your office — but can I say WOW! They are all so positive and encouraging and team oriented. You definitely have cultivated a great attitude and it extends far beyond your office and out to every single person that you all work with. Pretty amazing & impressive. Way to go."

Danielle, Tahoe City, CA

"Dear Katie, I want to take this opportunity to thank you for all of your hard work relating to the sale of ****. You consistently work hard, communicate well, and follow through. It provided me with a great peace of mind knowing that my loan was in your hands and that you were available for questions, concerns, and general support. You and your team have helped make this transaction progress smoothly and professionally."

Megan, Tahoe City, CA

"I can't tell you how refreshing it is to work with people who call me with updates, stay on top of things and are good problem solvers.  Thanks!"

Lynn, Tahoe City, CA

"I really appreciated all the help Janet and her team at OMG gave me when I refinanced my home. The entire process went so smooth; everything was done quickly and very efficiently. Janet kept me informed throughout the process, told me what to expect, and handled everything so there were no surprises. I received all paper work in a timely manner, and someone was always there to answer my questions. They are a professional group who helped save me thousands of dollars in interest in the coming years, and I recommend them to anyone I know who is buying, refinancing, or has questions about home loans. I did not know refinancing could be so easy!"

Bonnie, Las Vegas, NV

"I really felt like I was in good hands. Being such a busy person, it allowed me to trust Janet to handle my situation without having to be present. I am grateful to have OMG and such great friends on my side! Thanks for caring.

Terry, Truckee, CA

"Ephraim was friendly, knowledgable and made me feel at ease. He answered all my questions."

Kristy, San Francisco, CA


"Dear Katie, I wanted to thank you so much for all of your hard, hard work on our home loan this year! We appreciate so much all your extra time and energy that went into finding just the right situation for us. I can't express the amount of relief and happiness we have each day when we can count on what's to come for us..."

Katie and Mike, Rocklin, CA

"Janet was extremely prompt and professional in her dealings with us and had the lowest interest rates and costs. The personnel were efficient yet friendly. The process was so smooth. Keep up the good work."

Bruce and Linda, Alamo, CA

"One thing for sure, you are good at what you do and will be our financing guy forever."

Brooks, Redwood City, CA

"Ephraim was great! As a first time homeowner, he walked me through the process, explained everything, and made me feel comfortable. Everything was flawless. Thank you!"

Nova, Truckee, CA

"Katie, I like that I know the job will get done and I don't have to micro-manage the transaction. Keep on doing all that you do."

Leslie, Truckee, CA

"Ephraim demonstrated knowledge and credibility and went way beyond the call of duty to deliver excellent service."

Revi, Tahoe City, CA

"Janet, Ephraim, Shawna were all wonderful! I asked a million questions along the way and they were always there to calmly walk me through it."

Crystal and Tyler, Truckee, CA

"Nino and I warmly applaud and greatly appreciate your superior service! Thank you for handling all the details from pre-approval to closing in such a throrough and professional manner. We hadn't been through the mortgage maze in scores of years and you made it quick and simple. You were compassionate with our questions and supportive with your answers. The friendliness of your staff is outstanding! Our agent and the title officer were equally impressed with the O'Dette Group. We hope to send many referrals your way. You really put yourself in your clients shoes and make things happen. We are most appreciative."

Mary and Nino, Sunnyvale, CA

"Teresa, Thank you so much! I really do appreciate what you did for me today. I walk in without an appointment, you stop everything, make calls to find answers, call me, personally deliver documents, take the time to explain! I've never seen anything like it! YOU are Wonderful! What a team! Danielle at First Am and You with your amazing organization. I cannot wait until I finally can deliver a customer to you. You make me look good! Thank you!"

Patty, Tahoe City, CA

"I initially chose O.M.G. because you were recommended, but was skeptical until speaking with Katie. The more conversations I had, the more confident I was that I had made the right choice. Everyone was responsive and patient and weren't satisfied until all of my questions were answered."

Michael and Jennifer, Pleasant Hill, CA

"Hi Katie, thanks for the great service you and your team provided us, it was really stress free. We knew you were looking out for us, watching rates and we are very pleased with the outcome. You were our first mortgage broker experience and its been a great experience, we will always go with a broker, it really makes sense. Thanks for checking in and we have been telling people you have been a great person/company to work with."

Scott & Linda, Truckee, CA

"Thank you so much for handling this for us. You and everyone else at OMG have given us outstanding service!"

Elaine, San Jose, CA

"Dear Teresa,
Yes, you certainly have met all your goals.  Yours is an organization of which to be very, very proud!  Thank you and your great staff for making this an effortless (on our part) and pleasurable experience.  And besides, we're saving some money!"

Barbara and Svein, Carmel Valley, CA

"It is with great pleasure and enthusiam that I write and present this letter of recommendation for O'Dette Mortgage Group (OMG) and the service(s) provided Julie and me with the funding and aquisition of our new home.  The purchase of our new home represents the 5th time that Julie and I have worked with OMG.  OMG is engaging, knowledgeable and professional.  The staff at OMG has always provided us with excellence in service and execution.  We feel assured that we have received the mortgage product that is best for us through the plethora of options available.  Further, in these economic times we could always be assured that the information and process we were advised to follow by OMG was timely and competitive.  It has been a great pleasure and comfort to us to work with OMG.  Throughout this process we have formed a relationship that I hope will remain for many years to come.  I would not work with nor recommend any other funding specialist that Teresa O'Dette and the staff of OMG."
Scott & Julie, Orinda, CA

"Michael and I can't thank you enough for your cheerful, meticulous and highly professional assistance you provided during our real estate 'journey'.  Heather was so right to recommend you.  I just wish we could buy lots of houses so we could have reason to stay in contact!  Perhaps we could just pick your brains about what you love most about this gorgeous area!  You've helped immeasurably in making a dream come true for us."
Michael & Twanet, Sacramento, CA

"Teresa, as you know we have closed on the Simpson loan and, as the selling broker for the Simpsons I want to express my appreciation and thanks for the wonderful service extended by you and each of the staff members I worked with. As a STRS loan, most of us were unfamiliar with the process involving the State of California, which we learned moves on its own timeline.  But it is a great loan for the Simpsons and they are very happy to have it.  I want to extend a big thanks to Ephraim for making the extra effort to even find this loan program.  His perseverance in pursuing it was outstanding and created a very workable loan for the Simpsons.  Amy was extremely helpful and great to work with. There were times when State delays caused my frustration but Amy was always there to keep the process moving.  She is an asset to your organization.  I also want to thank you for all your efforts in this process and for creating a great professional environment in your company. Your offer to ameliorate the seller's situation was most generous and went 'above and beyond'.  I have dealt with many loan brokers over the years and find your company to be among the best."

Ron, Truckee, CA

"Teresa,
I once again want to thank you and your group for doing an absolutely fantastic job with the financing of our home on Winding Creek Road.  Everyone we worked with from yourself, Amy Haupert and Ange Worl were really impressive.  I never expected to get the quick responses from the several times I called in on the weekends anxiety stricken!  Your staff are really a tribute to your management and leadership skills.  Congratulations!
I hope that we can actually have the opportunity to meet in person.  I drove by your offices the other day just to see where this fantastic operation takes place.  I will certainly speak your group's praises at every opportunity."
 Jim, Berkeley, CA

"Dear Katie, Anne & Matt,
Thank you so much for all your help and guidance with our mortgage. You all are consummate professionals, providing incredible service. We can't imagine having had a better experience. We greatly appreciate how your team was so proactive, addressing any possible concerns before they materialized, if at all. If we need assistance in lending again, we will definitely be contacting O'Dette Mortgage. Plus, we will be recommending you all to everyone we know.
Thank you very much."
Stirling & Gary, San Francisco, CA


Dear OMG,
Thank you for sponsoring our Walk-a-Thon.  Thank you so much for supporting our school.  You money goes toward field trips, computer soft wear and swim lesons.  You have done a very generous thing.  If you didn't dontate we wouldn't be able to do a lot of things that you make possible.  If you didn't support Walk-a-thon our school would hardly be a school.  You have done a very nice thing.  You are the reason we even have field trips and a hole bunch of things.  Thank you for supporting us. 

Sophia, Kings Beach, CA


Hi Amy and Teresa.

I simply want to pass on to you the happiness that O.M.G. gave to Michael and Susan Thomas.  They went on and on about how O.M.G. did the job well, quickly and efficiently.  It was nice to see such happy clients when I handed them their keys to their new Tahoe getaway!  Thanks from the Thomas' and me on another job well done!

Diana, Tahoe City, CA

"I want to make sure I extend a huge thank you, in writing, for the services you have performed on this transaction and previous ones I have been involved in.
You are an incredible team and are set apart from the rest.  When I call, I normally get a real person answering. If the person I am asking for is not available, there is ALWAYS an offer of help rather than being shoved off to a voice mail.
You know you are good, I am just reassuring you that you are doing things RIGHT and my clients and I really appreciate it!  Great customer service.
Everyone have a great weekend!"
Norm, Tahoe City, CA

MORTGAGE TERMS

Adjustable Rate Mortgage (ARM)

Amortization

Annual percentage rate (A.P.R.)

Appraisal

Balloon (payment) mortgage

Buy-down

Caps (interest)

Conventional Loan

Credit Report

Debt-to-Income Ratio

Deed of Trust

Down Payment

Equal Credit Opportunity Act (ECOA)

Equity

Escrow

FSBO

Hazard Insurance

H.A.R.P.

HELOC (Home Equity Line of Credit)

Impound

Index

Loan-to-Value Ratio

Margin

Mortgage Insurance

Negative Amortization

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