By ordinance or resolution, the governing body of Cecil County shall specify: the program; the amount of bonds to be issued under the program; the interest rate of the bonds, or the manner of determining the rate; and other provisions not inconsistent with this subtitle to effect the financing of the mortgage loans. In the ordinance or resolution adopted under this subtitle, the governing body of Cecil County shall make findings regarding: the need for the financing authorized under this subtitle; the types of housing available and needed in the county; and other factors that the governing body finds appropriate to establish a program. An ordinance or resolution adopted under this subtitle is not subject to: referendum; or other procedures that do not apply to all ordinances or resolutions enacted by Cecil County.