VP of Sales and Marketing · UQUAL LLC
Brian Eck is Vice President of Sales and Marketing at UQUAL LLC. He works directly with mortgage loan officers, branch managers, and lending teams nationwide to structure 4-pillar readiness plans for borrowers who fall short on initial automated underwriting (DU, LPA, TOTAL Scorecard, or GUS) due to credit tiers, debt-to-income ratios, or self-employed tax return documentation. He authors and reviews UQUAL's technical underwriting guides on manual underwriting and Form 1084 / Form 91 income calculation.
Primary Calculators & Hubs
Primary Bylined Guides (3)
Master 2026 VA loan underwriting rules including official VA Pamphlet 26-7 regional residual income charts, the 41% DTI and 120% residual rule, VA funding fees, COE eligibility, and lender credit overlays.
Learn how mortgage underwriters calculate qualifying income for self-employed, 1099, and variable-income borrowers in 2026 using IRS tax add-backs, 24-month averaging, and agency rules.
Understand the difference between Automated Underwriting Systems (DU, LPA, TOTAL, GUS) and manual underwriting, including Refer/Eligible findings, the FHA 31/43 to 40/50 DTI matrix, and Verification of Rent rules.
UQUAL Editorial & Compliance Review Board
As a member of UQUAL's Editorial & Mortgage Readiness Review Board, Brian Eck contributes to the technical verification of our 4-pillar underwriting reference guides against HUD Handbook 4000.1, the Fannie Mae Selling Guide, Freddie Mac Guide, VA Pamphlet 26-7, and USDA HB-1-3555.
A complete 2026 playbook for mortgage loan officers and branch managers on converting credit, DTI, and AUS Refer/Eligible turn-downs into closed loans using 4-pillar borrower incubation.
Understand 2026 mortgage bank statement underwriting rules for sourced and seasoned funds, large deposit thresholds (>50% income vs. >1% price), gift funds, and 60-day cash seasoning.
Compare 2026 FHA, Conventional, VA, and USDA mortgage waiting periods after Chapter 7 and Chapter 13 bankruptcy, foreclosure, short sale, and 30 to 90 day late payments, plus extenuating circumstance rules.
Compare 2026 FHA, Fannie Mae, Freddie Mac, and VA underwriting rules for medical collections, the FHA $2,000 / 5% collection rule, charge-offs, tax liens, and why active credit disputes block automated underwriting.
Learn how to qualify for a mortgage with a 500 to 620 credit score in 2026 using agency minimum guidelines, HUD compensating factors, and a 90-day 4-pillar loan readiness plan.
See the minimum credit score requirements for FHA, VA, conventional, USDA, and jumbo mortgages in 2026, plus how middle scores work and realistic timelines.
Interactive Diagnostic Calculators
Evaluate Credit, DTI, Down Payment, and Documentation on a 0 to 100 scale.
Compare PITI and total DTI across FHA, Conventional, VA, and USDA rules.
See how Fannie Mae, Freddie Mac, FHA (0.5%), and VA treat $0 IDR student loans.
TDHCA, TSAHC, VLB, Texas property tax / MUD PITI, TWIA, and community property rules.
UQUAL Technology and Operations
Drew Tuzson supports UQUAL's technology, operations, and content systems. His UQUAL work focuses on turning mortgage-readiness strategy into clear workflows, trustworthy educational content, and measurable execution systems.
President
David Sanchez is President of UQUAL. He contributes leadership review for UQUAL's mortgage-readiness, credit-building, and borrower education content.
National Sales Director
Anthony Iacobucci leads UQUAL's national sales organization. He works with mortgage professionals to put a loan-readiness plan behind borrowers who are not yet qualified, then help return those borrowers when they are ready to close.
UQUAL is a loan readiness company. UQUAL is not a credit repair company and does not provide credit repair, debt settlement, legal, or tax guidance, and UQUAL is not a lender. UQUAL LLC is headquartered at 1499 W 121st Ave #200, Westminster, CO 80234 (Toll-Free: (833) 498-7825). All guides authored or reviewed by Brian Eck are for educational self-assessment only and do not constitute a loan pre-approval or financial advice. Consumers may pull free official credit reports at AnnualCreditReport.com and locate a HUD-approved housing counselor at consumerfinance.gov/find-a-housing-counselor.
