Depending on the rate difference, I'd be tempted to setup a 'burner' checking account at a separate financial institution and just auto-transfer the loan amount from my primary bank to the burner every month.
That generally wouldn’t pass underwriting. They want the account the money is coming from to be the account with history and money in it already.
That generally wouldn’t pass underwriting. They want the account the money is coming from to be the account with history and money in it already.