President · UQUAL LLC
David Sanchez serves as President of UQUAL LLC, overseeing the company's consumer loan readiness methodology, coaching standards, and compliance governance from UQUAL's Westminster, Colorado headquarters. He leads executive review across UQUAL Academy's curriculum and public underwriting guides to ensure every resource empowers aspiring homeowners through transparent, non-CROA financial education across credit, DTI, savings, and documentation.
UQUAL Editorial & Compliance Review Board
As a member of UQUAL's Editorial & Mortgage Readiness Review Board, David Sanchez 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.
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.
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.
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.
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.
VP of Sales and Marketing
Brian Eck leads sales and marketing at UQUAL. He works directly with mortgage professionals to help connect not-yet-qualified and declined borrowers with a loan-readiness path.
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 David Sanchez 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.
