Forward Lending does not have the authority to relieve you of your mortgage payment obligations. Forward Lending will service your mortgage for an interim period only, generally for thirty (30) days, then transfer your loan to a long-term Servicing Investor (i.e.: Wells Fargo, Chase Bank). The Servicing Investor owns the beneficial and long-term servicing rights in your mortgage and has the authority to assist you with any deferred mortgage payment requests. Forward Lending is unable to transfer a borrower with delinquent payments to a Servicing Investor. Not making your mortgage payment will prohibit you from being transferred to a Servicing Investor who may have workout options