In this subtitle the following words have the meanings indicated. “Borrower” has the meaning stated in § 11–501 of the Financial Institutions Article. “Home buyer education or housing counseling” means instruction on preparing for home ownership, shopping for a home, obtaining a mortgage, loan closing, and life as a homeowner. “Lender” means a person that makes a mortgage loan. “Mortgage loan” has the meaning stated in § 11–501 of the Financial Institutions Article. “Secondary mortgage loan” means a mortgage loan secured by residential real property that is subject to the lien of one or more prior mortgage loans.