Stop Guessing &

Start Qualifying

**Discover What It Really Takes to Get Mortgage-Ready.**

Buying your first (or next) home doesn’t have to feel confusing or out of reach.

Get The Mortgage Fit Guide, a quick, easy-to-understand roadmap to qualifying, affording, and confidently planning your next move.

Stop Guessing &

Start Qualifying

**Discover What It Really Takes to Get Mortgage-Ready.**

Buying your first (or next) home doesn’t have to feel confusing or out of reach.

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 20 years now. I am experienced in many forms of financing, including Conventional, FHA, VA and even Private Investor lending.

I believe that honesty, integrity and knowledge are imperative attributes to providing excellent customer service and I do my best to incorporate this philosophy into each and every transaction. I pride myself on fully understanding a borrower’s mortgage needs and selecting the best loan program from a large variety of options our company provides to make a customer’s dream of home ownership a reality.

Schedule a call with me today for a free review of your credit and a free mortgage pre-qualification! I feel that my outgoing personality and dedication to quality customer service will provide you with a smooth and worry free home buying experience.

I'm serious about mortgages… but not about taking myself too seriously 😉

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. I am experienced in many forms of financing, including Conventional, FHA, VA and even Private Investor lending.

I believe that honesty, integrity and knowledge are imperative attributes to providing excellent customer service and I do my best to incorporate this philosophy into each and every transaction. I pride myself on fully understanding a borrower’s mortgage needs and selecting the best loan program from a large variety of options our company provides to make a customer’s dream of home ownership a reality.

Schedule a call with me today for a free review of your credit and a free mortgage pre-qualification! I feel that my outgoing personality and dedication to quality customer service will provide you with a smooth and worry free home buying experience.

I'm serious about mortgages… but not about taking myself too seriously 😉

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.

5-star service. real results.

What Others Are Saying About Dennis

"I can’t thank Dennis enough for all his help in getting me my home in Vegas. He's always patient with my questions, quick to respond, and genuinely cared about making the process as smooth as possible for me. I never felt rushed or left in the dark—Dennis took the time to walk me through every step and made sure I was comfortable with every decision. I truly felt like he was looking out for my best interest the whole way. I’m so grateful to have had Dennis and would absolutely recommend him to anyone looking to buy a home."

- Maluh

"Dennis was incredibly responsive from initial contact until the end. He was also very transparent and knowledgeable as to expectations with our budget and current market. It was an extremely competitive market - so we didn’t have room to negotiate at all based on what we wanted, but it is what it is. Thank you for making the transition to home ownership easy!"

- Gabi V.

"Dennis Zicha was great. If it wasn’t for him and his team there would have been no way we would have got this house. He worked early mornings and late nights to get our loan approved and we are incredibly thankful. Thank you for everything!"

- Connor K.

"Dennis and his team were amazing. It was my first home purchase and they were always so helpful. Whenever you reach them out they call you back and answer your all questions and make your life easier. I am so happy I bought my home with them and if you wanna buy home definitely recommend them because they take care of everything for you the best way."

- Zeynep C.

"Dennis was the best the work with! He met with me in person to reassure me and my family that he will do his best to make sure everything with my loan would pan out. He is quick, responsive, friendly and very patient. Dennis is the reason why I got my current home approved. He would call and update me every Friday even if there was nothing new. He goes above and beyond and a pleasure to work with. I recommend him to purchase a home and/or to refinance you home. Thanks for everything you did Dennis!"

- Tony T.

"Dennis and the rest of the team at all western we dealt with were amazing. Dennis worked with our realtor to make sure we had the best buying power for our buck and got us into our house. He always answered my questions even when he was well into his own time. I couldn't recommend him more. Even my realtor is recommending him to those she deals with."

- Doug S.

Ready To See What’s Possible? Let’s Find Your Mortgage Fit.

Whether you’re buying your first home, moving up, or simply exploring your options, getting clarity is the first step.

The Mortgage Fit Guide gives you a simple roadmap to understand where you stand, and when you’re ready, Dennis will walk you through your numbers, one-on-one, on your free Mortgage Fit Call.

No confusion. No pressure. Just honest guidance from a loan officer who’s helped thousands of buyers find their way home.