UQUAL Technology and Operations · UQUAL LLC
Drew Tuzson leads technology, operations, and interactive diagnostic systems at UQUAL LLC. He architects UQUAL's 4-Pillar Mortgage Readiness Score Calculator, Home Affordability & Cash-to-Close Calculator, FHA vs. Conventional Loan Total Cost Calculator, Down Payment Assistance & Second-Lien Calculator, and Interactive Mortgage DTI Simulator, translating complex agency underwriting manuals (HUD Handbook 4000.1, Fannie Mae Selling Guide, Freddie Mac Guide, VA Pamphlet 26-7, and USDA HB-1-3555) into transparent self-assessment tools and step-by-step borrower preparation roadmaps.
Primary Calculators & Hubs
Primary Bylined Guides (5)
Why does your free Credit Karma or Equifax VantageScore 3.0 differ from your mortgage credit score? Compare VantageScore 4.0 vs. Classic FICO (2/4/5) and VantageScore 3.0 across 24-month trended data, paid collections, thin-file rent and utility history, 14-day inquiry windows, and 2026 state HFA overlays.
Master 2026 USDA Guaranteed Loan rules under HB-1-3555, including Repayment Income vs. 115% AMI Household Eligibility Income, $480/$400 adjusted income deductions, GUS Accept/Eligible rules, and 0% down readiness.
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.
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.
Compare the 4 types of 2026 down payment assistance (outright grants, 0% forgivable second liens, 0% deferred silent seconds, and amortizing DPA loans), 620-640 HFA credit overlays, CLTV DTI math, and flagship state HFA programs.
UQUAL Editorial & Compliance Review Board
As a member of UQUAL's Editorial & Mortgage Readiness Review Board, Drew Tuzson 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, 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.
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.
President
David Sanchez is President of UQUAL. He contributes leadership review for UQUAL's mortgage-readiness, credit-building, and borrower education content.
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 Drew Tuzson 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.
