Provides defendant option to disclose disability status in foreclosure proceedings.

This bill allows homeowners facing foreclosure on their primary residence to voluntarily disclose a disability and submit a physician's statement confirming the disability and its impact. It requires the court to provide this option when homeowners file their answer to a foreclosure complaint and the required case information statement. The policy change specifically applies to owner-occupied residential mortgage cases, giving disabled homeowners a formal way to request court consideration of their condition during foreclosure proceedings. This is a procedural adjustment to the foreclosure process, not a change to mortgage terms or protections.