Non-QM Lender and Auto-pay

[Christian D.]

I have a non-QM loan on a apartment building. The current monthly mortgage payment is on auto-pay which I believe I set up with the current mortgage servicing company when I bought the property last year. I called them last week to inquire about a possible forbearance, but I also asked them why I could not remove the payment off auto-pay on their website as I was just curious (their website blocked me from doing so). The response I received was auto-pay is part of the "current loan terms" and they could not remove the payment off auto-pay.

Now, I honestly don't recall if there is a clause or language in the mortgage/note regarding the payments needing to be on auto-pay, but has anyone else experienced anything like this before dealing with a non-QM lender? I understand I may not have the same borrower protection rights as I would if the mortgage was a conventional loan, and I'm not going to have my bank put a stop or hold on the payment, I just thought it was strange.