Stop
Guessing
& Start Qualifying
Discover What It
Really Takes to Get Mortgage-Ready.
Get The Mortgage Fit Guide, a quick, easy-to-understand guide to help homebuyers stop guessing and start qualifying by debunking common mortgage myths and clearly explaining what really matters for approval, down payments, and monthly payments.
Stop Guessing &
Start Qualifying
Discover What It Really Takes to Get Mortgage-Ready.
Get The Mortgage Fit Guide, a quick, easy-to-understand roadmap to qualifying, affording, and confidently planning your next move.
This Free Guide Reveals The 3 Big Mortgage Myths... And What Actually Matters
Qualification Myth
The real credit score and income rules (and how small tweaks can make a big difference)
Down Payment Panic
How to buy without 20% down, including grants, assistance, and creative funding
The Payment Puzzle
What goes into your monthly payment (and how to control what you pay)
meet the man behind the guide
Hey, I'm Dennis!
Hello, my name is Dennis M. Zicha and I have been a Sr. Loan Officer at All Western Mortgage for over 21 years now.
My goal is simple: explain your options clearly, answer your questions honestly, and help you move forward with confidence when the timing is right.
135+ Google reviews
"He's always patient, quick to respond, and genuinely cared about making the process as smooth as possible"
- Maluh
"Dennis was the best the work with! He is quick, responsive, friendly and very patient."
- Tony T.
"Dennis was incredibly responsive! He was also very transparent and knowledgeable"
- Gabi V.
meet the man behind the guide
Hey, I'm Dennis!
Hello, my name is Dennis M. Zicha and I have been a Sr. Loan Officer at All Western Mortgage for over 20 years now.
My goal is simple: explain your options clearly, answer your questions honestly, and help you move forward with confidence when the timing is right.
130+ Google reviews
"He's always patient, quick to respond, and genuinely cared about making the process as smooth as possible"
- Maluh
"Dennis was the best the work with! He is quick, responsive, friendly and very patient."
- Tony T.
"Dennis was incredibly responsive! He was also very transparent and knowledgeable"
- Gabi V.
Backed By All Western Mortgage. Trusted For Over 40 Years.
All Western Mortgage combines big-company strength with small-team attention, giving you speed, flexibility, and confidence every step of the way.
Here’s what makes the difference:
Faster Closings
In-house underwriting and processing mean quicker approvals and fewer delays.
Smarter Loan Options
From conventional to creative lending, we match you with the right program for your goals — not a one-size-fits-all plan.
Real People, Real Communication
You’ll always know where things stand. We believe in clarity, honesty, and direct updates from start to finish.
Proven Stability
Backed by 40+ years of experience and licensed in 45 states, All Western delivers the reliability your home journey deserves.
Copyright 2025 - Dennis Zicha with All Western Mortgage - All Rights Reserved