SCRA, Refinance, Forbearance

Hey all,

I'm trying to understand this whole process so please excuse my naiveness. My wife and I are utilizing the SCRA to reduce our mortgage rate down to 6% while I'm mobilized. In the process we're trying to refinance while rates are down. We found a lender and should be able to reduce our rate almost 2.5%. All good things. We were told though that our current lender has the money that is reduced due to the SCRA in forbearance? And we'd have to pay that back when I return and the SCRA no longer applies. Is that how that works? And if so what happens if we refinance with a different lender? TIA.