Provides forbearance of residential mortgage foreclosures under certain circumstances; places additional requirements on attorneys, residential mortgage lenders, and courts, as part of foreclosure process.

This bill requires residential mortgage lenders to grant a six-month forbearance period upon written request from borrowers facing foreclosure on "high-risk mortgages," which include subprime loans, interest-only mortgages, or loans with negative amortization. During this period, lenders must pause all foreclosure actions, cannot increase interest rates, and must notify borrowers of their right to forbearance within 30 days of filing a foreclosure complaint. Borrowers must participate in mediation (via the Judiciary's Foreclosure Mediation Program or another option), and lenders must certify documentation accuracy and ownership of the mortgage note to proceed with foreclosure. The forbearance provisions expire two years after enactment, but existing forbearance periods continue in full.