is "tacked onto the back of your mortgage", (which is the language I keep seeing everywhere), how does that work? If you have a mortgage balance of $100,000 and your monthly payment due is $1,000 (500 principal, 500 interest) at the end of 3 months of forbearance is it as simple as your payment is still $1,000 and now your mortgage balance is $103,000 or am I missing something? TIA