# Sync a loan

Syncing (refreshing) a loan recalculates accrued interest, fees, and payment balances to ensure the loan data is accurate. Use this tool when you notice incorrect balances or missing updates on a loan. The tool supports two modes: a quick refresh without replay, and a full replay that recalculates the loan from a specific date.

**Availability:** All clients
**Required permissions:** `loan:refresh`
**Loan status:** All statuses
**Loan types:** All

## Before you begin

- Start with a sync without replay. This is faster and resolves most balance discrepancies.
- Use a sync with replay only if the quick refresh does not fix the issue. Replaying a loan recalculates everything from the specified date forward and can take up to 10 minutes.
- Do not navigate away from the page while a replay is in progress. The tool polls for completion and displays a progress indicator.
- If the loan still shows incorrect amounts after both sync methods, escalate the issue to your supervisor.


## Sync without replay

A quick refresh updates the loan's current state without recalculating historical data.

1. From the agent-view Borrower Portal, open the loan and select **Loan options** > **Sync**.
2. Select **Without replay**.
3. Select **Sync account**.


The system refreshes the loan data. A success message appears when the sync completes.

## Sync with replay

A full replay recalculates the loan from a specific date forward, reprocessing all interest accruals, fees, payments, and credits from that point.

1. From the agent-view Borrower Portal, open the loan and select **Loan options** > **Sync**.
2. Select **With replay**.
3. Select the replay start date:
  - Select **Account activation** to replay from the very beginning of the loan.
  - Or select a specific date using the date picker.
4. Enter a **Reason** describing why the replay is needed. This is required for audit purposes.
5. Select **Sync account**.


The system begins the replay process. A progress indicator displays while the replay is running. Wait until processing completes before navigating away.

## Field reference

| Field | Description | Required | Values / Format |
|  --- | --- | --- | --- |
| **Sync type** | Whether to perform a quick refresh or a full replay. | Yes | Radio: Without replay, With replay |
| **Replay date** | The date from which to recalculate the loan. Only shown when **With replay** is selected. | Conditional | Date picker with **Account activation** preset, or a specific date |
| **Reason** | An explanation of why the replay is needed. Only shown when **With replay** is selected. | Conditional | Text area (required when replaying) |


## Related pages

- [Agent-only loan tools](/servicing-operations/agent-only-tools/agent-tools-overview)
- [Freeze and unfreeze a loan](/servicing-operations/agent-only-tools/agent-tools-freeze)
- [Accelerate and reverse acceleration](/servicing-operations/agent-only-tools/agent-tools-accelerate)