As used in this act [ 48-7-15 to 48-7-24 NMSA 1978]:
A. "due-on-sale clause" means a provision in a contract involving a real property loan which authorizes a lender, at its option, to accelerate an indebtedness and declare due and payable sums secured by the lender's security instrument if all or any part of the property, or an interest therein, is sold or transferred or, in the alternative, to demand an increase in the interest rate as a condition of approving an assumption of the loan;
B. "lender" means a person or government agency making a real property loan or any assignee or transferee, in whole or in part, of such a person or agency;
C. "mobile home" means a movable accommodation with not less than four hundred square feet of floor space used or designed for use as living quarters; and
D. "real property loan" means a loan, mortgage, advance or credit sale secured by a lien on real property, the stock allocated to a dwelling unit in a cooperative housing corporation, or a mobile home, whether real or personal property.