§12–1302.

    (a)    This subtitle applies to any lender that makes a mortgage loan secured by owner–occupied residential real property located in the State.

    (b)    This subtitle does not apply to:

        (1)    A secondary mortgage loan;

        (2)    An open–end or revolving home equity line of credit;

        (3)    A construction loan;

        (4)    An individual who takes back a deferred purchase money mortgage in connection with the sale of residential real property owned by, and titled in the name of, the individual; or

        (5)    An individual who makes a mortgage loan to a borrower who is the individual’s spouse, child, child’s spouse, parent, sibling, grandparent, grandchild, or grandchild’s spouse.