So long as the the real property secured by the mortgage is considered residential (i.e. not commercial), then CPLR 3408 will automatically kick-in once an RJI is filed and the Court will direct the matter to mandatory foreclosure settlement conferences. So, if the foreclosure is filed as a "Residential Mortgage Foreclosure" then you will benefit from the mandatory foreclosure settlement conference program. Also, depending on when the mortgage was issued, it may be considered a high-cost loan which can be a defense to a foreclosure action.
Also, if the action is filed as a commercial foreclosure complaint, then the best strategy is to for you to file the RJI before the lender and file the RJI as a residential foreclosure action which will automatically bounce the case into the mandatory foreclosure settlement conference part where there you could argue whether the case should remain in conference or not.
Hope this helps and feel free to follow up with any further questions, comment or concerns. This seems like an interesting matter.