In this section, the term “lender’s inspection fee” means a fee imposed by a lender to pay for a visual inspection of real property. Except as provided in subsection (c) of this section, a lender may not impose a lender’s inspection fee in connection with a loan secured by residential real property. A lender’s inspection fee may be charged if the inspection is needed to ascertain completion of: Construction of a new home; or Repairs, alterations, or other work required by the lender. This section does not apply to an appraisal of the value of real property by a lender or to fees imposed in connection with an appraisal.