O'Dette Mortgage Group, Lake Tahoe CA Lake Tahoe, photo credit: Court Leve
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MEET OUR TEAM OF PROFESSIONALS
The team of professionals comprising O'Dette Mortgage Group is dedicated to providing the highest quality of service in a friendly environment while making the closing process of your mortgage as smooth and efficient as possible.


Employee: Teresa O'Dette

Teresa O'Dette

Teresa follows a business model that places customer service at the top. Teresa's vast knowledge of the mortgage business, utilization of internet-based technology, and ongoing open communication with clients has made her "clients-for-life" program a success. Available to her clients seven days a week, Teresa manages every step of the loan process and is on hand to answer all questions regarding interest rates, loan programs, and future financing needs. A native North Lake Tahoe resident, Teresa owns a home in Brockway and recently took advantage of record low mortgage rates to purchase a second property. Email Teresa O'Dette

Amy Haupert

Amy Haupert brings a vast background in customer and financial services to OMG, with experience ranging from title and loan companies to restaurant management. As Vice President, Production, Amy coordinates the entire loan process from beginning to end, ensuring that all documents needed to process and underwrite your loan are received in the shortest timeframe possible. Growing up in nearby Mountain View, California, Amy vacationed in the Homewood area of North Tahoe until her love of skiing, mountain biking, and the outdoors brought her to Lake Tahoe full time in 1996. Amy, her husband Billy, daughter Tatum, and their great dane Orca, truly appreciate life in the mountains. Email Amy Haupert

Employee: Amy Haupert

Employee: Claudine Kratz

Claudine Kratz

Vice President, Operations, Claudine Kratz, gained valuable experience in client customer service, marketing, and organization with prior work for The Swenson Group, Xerox and Preferred Capital. Serving as your personal client contact, Claudine provides weekly updates on the status of your loan and assures that you receive the best possible service throughout the transaction process. Married in a snowstorm at Lake Tahoe in November 2002, Claudine and her husband, Daryn, have recently purchased their home in Tahoe City where she now enjoys walking to work. Email Claudine Kratz

Elice Crowder

Marketing Director, Elice Crowder coordinates communication and follow up contact with our entire client base, including realtors and financial planners. With over 10 years experience in customer service relations, including hotel management, Elice is perfectly suited to OMG's "Clients for Life" concept. After living in San Diego for over 11 years, she was lured to Lake Tahoe's majestic mountains and outstanding skiing. Email Elice Crowder

Employee: Elice Crowder

Employee: Janet Wees

Janet Wees

As a Certified Mortgage Planning Specialist and a professional committed to her client’s success, Janet’s focus is not only on providing financial specific guidance, but integrating life planning as well. Combining her degree in Business Psychology from Point Loma Nazarene University with many years of experience in business management, she understands that no two individuals have the same needs and goals. A San Diego native that moved here with her husband in 2000, Janet can think of no other area than the Tahoe-Truckee community that she would rather call her “home”. In addition to building advice-driven relationships, Janet directs considerable energy to her family of four and outdoor hobbies such as skiing and backpacking. Email Janet Wees

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

Employee: Andrew Koijane

Employee: Ange Solinsky

Ange Solinsky

Ange Solinsky, Client Services Coordinator, 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 Solinsky

Ephraim Schwartz

Mortgage Consultant, Ephraim Schwartz comes to OMG with a professional background in wholesale lending and financial analysis. Originally from Boulder CO., Ephraim earned his degree in Mathematics from the University of Colorado where he skied on the Freestyle team and grew up with a love for the great outdoors. Today, he couldn’t be happier about his return to Northern California 6 years ago, the purchase of his home in Truckee, and being a part of the team at OMG. Along with his experience in the mortgage business, Ephraim combines many years restaurant experience with a math & financial background for a valuable balance of personal service and analytical skills. When it’s time to get out and go Ephraim loves to ski, mountain bike, surf, climb, and skydive. Email Ephraim Schwartz

Employee: Ephraim Schwartz

Employee: Katie Rice

Katie Rice

Katie’s core purpose is to provide mortgage solutions to help people pursue their dreams of financial freedom. As a Mortgage Consultant, Katie Rice has arranged various financing options such as 100% financing, construction lending, lot loans, unwarrantable condos, and private lending. Recently, Katie has been able to take advantage of current low interest rates to purchase investment property in the Tahoe Basin. With a B.S. in Business and an emphasis in Accounting from University of Reno, Katie can counsel her clients toward a lending solution that best suits their long and short term goals. As a Tahoe resident of 22 years, Katie is firmly rooted in Tahoe and lives here with her husband of 12 years. Email Katie Rice

Shawna Hale

As Client Services Coordinator, Shawna will be monitoring and managing every step of the loan approval process from start to finish ensuring a smooth, comfortable, and efficient close. Shawna's primary role is to provide an exceptional level of care and customer service. Shawna graduated from the University of California, Santa Barbara with degrees in Environmental Studies and Business Economics. She was drawn to the Lake Tahoe area for the enjoyment of the outdoor lifestyle, but also to become an active part of the close-knit, progressive community that the Tahoe area provides. She aims to help her fellow community members make the dreams of home ownership and financial freedom a reality. Email Shawna Hale

Employee: Shawna Hale

Employee: Molly Coin

Molly Coin

Client Services Coordinator and Processing Assistant of O.M.G’s Tahoe City office, Molly Coin understands the importance of attention to detail. Molly brings with her a diverse history of customer interaction with people from all over the world and a background in research and development as well as real estate. She will ensure a smooth transaction from beginning to end. Having spent many holidays and summer vacations in the Tahoe/Truckee area, relocating to the area became a top priority once she packed her 4th child off to college. Email Molly Coin


Mortgage FAQs

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

HELOC (Home Equity Line of Credit)

Impound

Index

Loan-to-Value Ratio

Margin

Mortgage Insurance

Negative Amortization

Origination Fee

PITI

Points (loan discount points)

Prepayment

Prepayment Penalty

Principal

Private Mortgage Insurance (PMI)

Recision

RESPA

Title

Title Insurance

Truth-in-Lending

Underwriting

Verification of Deposit (VOD)

Verification of Employment (VOE)