Teresa O’Dette


As the Branch Manager and veteran Loan Advisor of O’Dette Mortgage Group, Teresa O’Dette 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. Teresa and her team are available seven days a week, together they manage every step of the loan process and is on hand to answer all questions regarding interest rates, loan programs, and future financing needs.

“At O’Dette Mortgage Group, we understand the stress involved in purchasing a home. We place ourselves in our customer’s shoes, anticipating your every need and making ourselves available at any time. Combining our vast knowledge of the mortgage business with cutting edge technology, we can get you the right loan on time at competitive rates. This unique high-tech/high-touch approach to the mortgage business means you get the best financial advice and the highest quality of service.” -Teresa

You can start your property endeavors with a free service we offer to our clients called Homebot. Homebot provides home evaluation information, loan scenarios, rental revenue insight and much more so that you can maximize your wealth from home equity. Begin by entering in your address you want evaluated below.


Interactive calculators are self-help tools. Results received from this calculator are designed for comparative and illustrative purposes only, and accuracy is not guaranteed. Synergy One Lending is not responsible for any errors, omissions, or misrepresentations.

This calculator does not have the ability to pre-qualify you for any loan program or promotion. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. Synergy One Lending does not guarantee any of the information obtained by this calculator.

What our clients say about us…

San Francisco, CA

I was very nervous about getting funding for my first home, especially after hearing other people talk about how it was one of the most stressful things they have ever done. My dad suggested I work with Ephraim, and for a father to trust Ephraim to help his youngest daughter on her first home loan says a lot.

I am happy to say the process is complete and it was not hard at all. Working with Ephraim and his team was a breeze. They updated us through the whole process, checked in to make sure we were doing okay and were always available to answer questions. I look forward to working with the team again in the future.


Natalie S.

San Jose, CA

Our deepest appreciation and gratitude go out to Teresa, Anne, Ange, Kim and the entire staff at O’Dette Mortgage Group.  We didn’t have a lot of money to buy a house but in less than one month they had taken our disorganized financial info and small down payment and found us a lender who funded our loan to buy a home in San Jose.  They were extremely easy to work with, were always in constant contact, discussed all the funding options available and adopted seamlessly to our changing needs as the loan process progressed.  We’ll never need to look for mortgage broker again (and you shouldn’t either)!

Bob D.