TRAC Options
Save On Title Costs And Get A Lower Rate
Available exclusively from UWM, our suite of TRAC options changes the way you handle title review and closing—creating borrower savings and a more efficient process.
See a breakdown of your options below:
| TRAC+ | TRAC | TRAC Lite |
| 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 | Work with Doma Title as the settlement agent |
| UWM oversees title review, closing and disbursement | UWM handles title review | UWM handles ordering; Doma handles title review, closing and disbursement |
| UWM handles title work, balancing fees and all related communication | TRAC-approved settlement agent handles closing, balancing fees, scheduling closing and all related communication | Doma handles closing, balancing fees, scheduling closing and all related communication |
| Virtual Close | UClose 3.0 – In-Person, Hybrid or Virtual Close | UClose 3.0–In-Person, Hybrid or Virtual Close |
| Available on Conventional, FHA & VA | Available on Conventional Only | Available on eligible conventional DU loans |
| Refinances | Purchases & Refinances | Refinances in AZ, CA, NJ and TX |
| $1,850 flat fee | $1,600 flat fee | $0 title fee |
| No additional settlement agent fee | Settlement agent fee, up to $500 | Settlement agent fees vary by state; $375–$475* |
| Up to 60bps pricing incentive based on loan amount | Up to 60bps pricing incentive based on loan amount | No pricing incentive |
*Loans may be subject to additional fees.
These options 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 and/or extremely low title fees.
TRAC+ and TRAC Pricing Incentives
| 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 |
TRAC+/TRAC
For TRAC+ and TRAC Use Our Eligibility Tool
Go to our Eligibility Tool to check TRAC+ and TRAC eligibility and see estimated savings before importing a loan. On your EASE dashboard, go to “Loan Activity & Tools,” scroll down to “Tools & Resources” and then click on the “Eligibility Tool” tab.
How to select and order TRAC+ or TRAC
- If your loan is eligible, you will have the option to select TRAC+ or TRAC under the Title Selection drop-down in EASE and order TRAC through the Processor Assist screen in EASE
- For more details on the TRAC+ and TRAC process, ask ChatUWM or refer to the job aid
To learn more about TRAC+/TRAC, watch our Originate Smarter - TRAC+ from UWM, Introduction to TRAC From UWM and TRAC Settlement Agent Sign-Up Process videos in UWM Partner Academy.
TRAC Lite
TRAC Lite–Eligibility determined by DU findings, not County (only available in AZ, CA, NJ and TX)
To check eligibility for TRAC Lite you will need to run One-Click AUS® and receive eligible findings
- If your loan is eligible, you will have the option to select TRAC Lite under the Title Selection drop-down in EASE and order TRAC Lite through the Processor Assist screen in EASE
- For more details on the TRAC Lite process, fees and qualifications, ask ChatUWM or refer to the job aid
To learn more about TRAC Lite, watch our video TRAC Lite in UWM Partner Academy.
Information is subject to change. Certain restrictions apply. Subject to borrower approval. 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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