Prior to working in the lending industry, Andrew Koijane grew up in Palo Alto, California. When he’s not helping clients fulfill dreams and build real estate portfolios, you’ll find him spending time with his family, skiing, mountain biking, surfing, skydiving, and enjoying music. Fully immersed in the Bay Area and Tahoe real estate market since 2005, he is a true professional that continues to deliver complete knowledge of the industry while providing exceptional service.Įphraim, his wife Christina, their son Ezra, and daughter Mila enjoy life splitting time between Sausalito and Tahoe. “Our goal is to help our clients accrue wealth through the acquisition of real estate and our management of that debt.” Ephraim combines an analytical background with a personal service touch of seven years in fine dining. Ephraim views his role as helping clients integrate a mortgage plan in the following areas: short and long-term equity, cash flow, tax deductibility benefits, and investment objectives. Today their “team for life” bond is reflected in the “clients for life” philosophy of their mortgage practice. The career of his calling began when Ephraim started mentoring under Teresa O’Dette’s mortgage practice in 2005 shortly after choosing to work with Teresa on his first real estate investment in California. He then worked as an analyst in tech from 2000 to 2005. Life for Teresa outside of O’Dette Mortgage Group revolves around her family in North Shore Tahoe where she devotes her time with them enjoying outdoor activities such as boating and camping.Įphraim Schwartz | Partner, Mortgage ConsultantĮphraim Schwartz was born and raised in Colorado where he earned his degree in Mathematics from University of Colorado as well as skied on the freestyle mogul team. While running her company, she has given back to her profession through coaching sessions to new and seasoned loan officers by sharing tailored techniques to assist them in their growth in the mortgage business. My objective is to help people acquire their dream homes, and I am happy to do it!” Reaffirming her love of helping people fulfill their dreams of homeownership is what motivates Teresa.īeing in the industry since 1998, she has helped thousands of clients throughout the country by finding the best ways and rates to close their loans, as well as serving on the Tahoe Truckee Airport Board. She proudly proclaims, “I am very determined to help my clients. Teresa also feels honored to be in a position where she can provide meaningful change. She recognizes the importance of having a home and the intrinsic comfort that comes from homeownership. O’Dette Mortgage Group is consistently ranked in the Top 200 Loan Originators in the country by Mortgage Originator Magazine. She’s developed a professional and friendly work environment that instills service as the number one priority. Quickly forging a path towards mortgage real estate, Teresa established O’Dette Mortgage Group in 1999. After completing her studies at California State University, Sacramento, she dedicated and immersed herself in the mortgage industry. The concept of living in an area in which one calls home became crucial to her. A North Tahoe native, Teresa O’Dette has always felt connected to the area with a great appreciation for its natural beauty.
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