(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.