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It's important to note that if there is a co-borrower, such as your spouse on the loan, both parties on the mortgage will have to meet both VA and lender requirements.
Lenders are able to convince many consumers that advance authorizations will be more convenient, and some use direct incentives such as by making alternative methods of payment more burdensome, changing APRs, or providing slower means of access to loan proceeds for loans without preauthorized withdrawals.
If less than 3 payments are made, a $5 inactivity fee will be assessed on the last business day of the month.