Every loan has a Fees & Suspense tab (/loans/{id}?tab=fees), the home for everything on a loan that isn't a regular amortization payment.
Fees
The top of the tab summarizes your late charges three ways and lists every charge ever assessed:
- In the current amount due: outstanding charges the borrower owes now.
- Deferred (collected at payoff): charges held out of the current due but still owed at payoff.
- Total fees assessed (all time): everything ever charged, for the record.
The Late charges & fees table shows each charge with its status (Outstanding, Deferred, Paid, Waived, or Paid at payoff) along with when it was assessed, the payment it's tied to, and the detail (including who waived it and why). It's read-only here; the Waive and Defer actions live on the loan Overview tab's Late Charges card, and on the Record Payment modal at the moment you take a payment (see Recording a payment).
Suspense
Below the fees, two tiles show the loan's current suspense balance (funds received but unapplied) and the total ever held in suspense. The Funds held in suspense table lists each underpayment routed into suspense, oldest to newest, with a running held total.
Apply suspense
When there's a suspense balance, the Apply suspense to the next payment control lets you put held funds toward the next installment:
- Set the amount to apply (defaults to the full balance).
- Order the four buckets (Late fees, Interest, Escrow, Principal) with the up/down arrows. Each bucket takes what it can up to what's due on the next payment, top of the list first.
- Click Apply suspense. The rest stays in suspense, and the application is recorded as a regular payment on the Payments tab.
This same Apply suspense control also appears on the loan's Escrow tab, so you can reach it from either place.
See Recording a payment for how money lands in suspense in the first place, and The Late Charges card for waiving or deferring a fee.
Informational fees, assessed charges and held funds
An informational fee recorded with Add fee is different from an assessed late charge or the borrower's recurring servicing fee. Recording an informational fee does not add a collectible charge to the payment amount or payoff. Review the type of fee before relying on a total.
Suspense is money received but still unapplied. Its balance is separate from principal, interest, escrow and collected fees. Review the proposed application before applying held funds.
Receipts for collectible charges
Each row under Collectible charges (a doc fee, foreclosure notice, inspection or custom charge) has a Receipts column. Click Attach receipt to add the mailing receipt, a photo of the notice or other proof of the cost: PDF, JPEG, PNG, WebP or plain-text TXT, up to 10 files of 4 MB each per upload (TXT 1 MB). Receipts (n) lists what is attached; click a file to view it. Remove from charge takes a receipt off the charge but keeps the file on the loan. Like payment receipts, expense receipts can't be deleted and are never sent to AI features. A waived charge can still take receipts.