I have 30 yr fixed interest mortgage. To make things easier, I pay bi-weekly. This is not something that is set up by the lender. I just pay half every time I get paid. I actually pay more, about $200 extra each month. When the first payment goes through, it gets listed as a Forbearance Suspense. Granted, this is not the whole payment. Also, my extra amount that is paid gets listed as the same, and then gets adjusted to the principle.
What does this mean? Am I getting screwed?