Dave Gallegos

Senior Vice President/Branch Manager

I’m a Denver native and a graduate of Mullen High School and Regis University. I have been in the Mortgage Industry since 1997. I opened this branch in July of 2000 as a broker shop, and it has evolved over that time to become what is now Zenith Home Loans in Colorado.

About Me

Formerly the #1 producer at other companies, as well as my own branch until 2008, I now get more pride out of developing talented people to their full potential. My top priority today is helping mortgage loan officers close more deals, by following systems that produce the career and life they wanted when they chose this industry.

I chose Zenith Home Loans because of these Core Principles

A commitment to having the very best Company Culture in our industry, so we get the very best team members – having the most fun delivering a superior product and career experience for everyone on our team.

Not the biggest, just the best. We don’t want to be the company with the most reps; we want to be the company with the highest quality, and most productive reps.

Closing every loan On Time, Under Budget, with No Surprises® – A commitment to a sales and operations System that produces exceptional borrowing experiences, every time.

Integrity – Do what we say we will do every time, no matter what.

My wife Laurie and I have three grown children, two of whom work with me here at Zenith, and we are proud that our youngest son serves in the U.S. Navy. For the last two years, everyone at our branch has pitched in to put together 1,000 Christmas gift bags to deliver to those serving overseas during the holidays.


Step 1


  • Walk through every step
  • Understand everything you need to know
  • Understand everything you need to do
  • Know who all the players are
Step 2

Know Your Numbers

  • Understand the difference between rent and a mortgage payment
  • Understand the income tax savings
  • Understand how inflation creates wealth
  • Understand how the forced savings creates wealth
Step 3


  • When do you have to move?
  • Address any loan approval landmines
  • Establish your timeline
Step 4


  • Collect and review all credit documents
  • Review in underwriting when necessary
  • Establish maximum loan parameters
  • Shop like a cash buyer