Department means the Department of Permitting, Inspections, and Enforcement. Director means the Director of the Department of Permitting, Inspections, and Enforcement or the Director's designee. Federal Housing Authority Energy Efficient Mortgage means a mortgage that covers upgrades for new and existing homes and is available in fifty states. A Federal Housing Authority (FHA) loan enables a home buyer to obtain a single loan to finance both property acquisition and to complete major improvements after loan closing. Home energy audit means an evaluation of the energy efficiency of a home which includes any test or diagnostic measurement which the Department finds necessary to: ensure that a home's energy efficiency is accurately measured; or identify steps that can be taken to improve a home's energy efficiency. Single-family home means a single family residential real property improved by four or fewer single family units. This section does not apply to: The initial sale of single family residential real property that has never been occupied or for which a certificate of occupancy has been issued within one year before the seller and buyer entered into a contract of sale; A transfer that is exempt from the transfer tax under § 13-207 of the Tax-Property Article, except land installment contracts of sale under § 13-207(A)(11) of the Tax-Property Article and options to purchase real property under § 13-207(A)(12) of the Tax-Property Article; A sale by a lender or an affiliate or a subsidiary of a lender that acquired real property by foreclosure or deed in lieu of foreclosure; A sheriff's sale, tax sale, or sale by foreclosure, partition, or court- appointed trustee; A transfer by a fiduciary in the course of the administration of a decedent's estate, guardianship, conservatorship or trust; A transfer of single family residential real property to be converted by the buyer into a use other than residential use or to be demolished; or A sale of unimproved real property.