This section does not apply to a: Home equity line of credit; Loan secured by an indemnity deed of trust; or Commercial loan. Before the settlement of a loan secured by a mortgage or deed of trust on residential real property improved by four or fewer single–family units that is subject to a redeemable ground rent, the settlement agent shall notify the borrower that: The borrower has the right to redeem the ground rent under § 8–804 of this subtitle; The redemption amount is fixed by law but may also be negotiated with the ground lease holder for a different amount; It may be possible to include the amount of the redemption in this loan; For information on redeeming the ground rent, the borrower should contact the ground lease holder; and For information on including the amount of the redemption in this loan, the borrower should contact the lender or credit grantor making this loan.