TRAC+/TRAC
Save On Title Costs And Get A Lower Rate
Available exclusively from UWM, TRAC+ and TRAC change the way you handle title review and closing — creating borrower savings and a more efficient process.
See a breakdown of the options below:
| TRAC+ | TRAC |
| No need for you to work with a title company or settlement agent — it’s now streamlined through UWM | Choose from our list of approved settlement agents or sign up your preferred Settlement Agent |
| UWM oversees title review, closing and disbursement | UWM handles title review |
| UWM handles title work, balancing fees, scheduling closing and all related communication | TRAC-approved settlement agent handles closing, balancing fees, scheduling closing and all related communication |
| Virtual Close | In-Person, Hybrid or Virtual Close |
| Available on Conventional, FHA & VA | Available on Conventional Only |
| Refinances | Purchases & Refinances |
| $1,850 flat fee | $1,600 flat fee |
| No additional settlement agent fee | Settlement agent fee, up to $500 |
Both help you get your title docs ready in 1–3 days, while providing significant savings to your borrowers with pricing incentives based on the loan amount.
| Loan Amount: | Incentive: |
| ≤ $150K | 60 bps |
| $150,001 – $300K | 40 bps |
| $300,001 – $450k | 25 bps |
| $450,001 – $600K | 15 bps |
| $600,001 – $1M | 10 bps |
Information is subject to change. TRAC+ and TRAC eligibility may vary based on county and other loan information and does not replace an Owner’s Title Policy. Savings on title costs vary based on location and loan amount.
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