"Brad Rosa worked at UWM from February 2024 to December 2025 as in-house counsel in the company's title review and closing (TRAC) department, which employed nearly 40 attorneys. In his role, Rosa reviewed public land records and issued AOLs for conventional refinance loans under UWM's TRAC program. The lawsuit was filed Tuesday in the Superior Court of the State of California for Orange County. Rosa alleges that this past fall, the TRAC AOL program was replaced by a TRAC+ Title Standing Letter (TSL) program."
"During this transition, ghostwriting defined in the complaint as preparing title opinions that were then signed by attorneys licensed in the relevant state was a common practice at the company. Under the revised program, AOLs were rebranded as TSLs, but the substance and purpose of both remained the same, according to the lawsuit. Rosa's responsibilities also remained unchanged. He issued legal assessments of title status, identifying defects or clouds, and evaluating whether a new mortgage would obtain first-lien priority."
Brad Rosa worked at UWM from February 2024 to December 2025 as in-house counsel in the TRAC department, reviewing public land records and issuing attorney opinion letters (AOLs) for conventional refinance loans. That fall the TRAC AOL program was replaced by a TRAC+ Title Standing Letter (TSL) program; AOLs were rebranded as TSLs while substance and purpose reportedly remained unchanged. Ghostwriting—preparing title opinions that were signed by attorneys licensed in other states—was common during the transition. Attorneys were told they would be required to sign TSLs for properties in states where they lacked licenses. Concerns were raised in a 12-page document and at an October meeting, and state rules and a Texas exception prompted questions about unauthorized practice and in-house registration.
Read at www.housingwire.com
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