The terms appearing in the Act have the meanings defined in the Act and, in addition, the meanings used in these regulations. Terms Defined. “Act” means Housing and Community Development Article, Title 4, Subtitle 9, Annotated Code of Maryland, as amended. “ALTA” means the American Land Title Association. “Applicant” means any individual, partnership, corporation, or other business entity which applies for a loan under the Program. “Approved plan” means a plan which has been approved by the Department. “Assistant Director” means the Assistant Director for Home Improvement Programs, Community Development Administration. “Borrower” means an owner of a migratory labor camp who receives a loan under the Program. “Closing costs” means the total of all settlement, costs and fees and, when applicable, initial payments for taxes, property insurance, title search, percolation tests, or other expense items related to the migratory labor camp property. “Contract” means all agreements and documents between the borrower and any other person or entity for the performance of work to be financed by a loan made by the Program. “Contractor” means any person or entity who contracts with the borrower for the performance of work to be financed by a loan made by the Program. “Department” means the Department of Housing and Community Development. “Director” means the Director of the Community Development Administration. “Loan” means a migratory housing facilities loan. “MAI” means a member of the Appraisal Institute of the American Institute of Real Estate Appraisers. "MDH" means the Maryland Department of Health. “Migratory housing facilities loan” means a loan to a qualified owner of a migratory labor camp made for the purpose of improving the health and safety of migratory worker housing facilities. “Migratory labor camp” means one or more structures, buildings, tents, barracks, trailers, vehicles, mobile homes, converted buildings, and unconventional enclosures of living spaces, together with the land appertaining to it, established, operated, or used as living quarters for four or more migratory workers engaged in agricultural activities, including related food processing. “Migratory worker” means any person from within or outside the State who: Moves seasonally from one place to another for the purpose of employment; Is not a year-round employee; and Occupies living quarters other than his permanent home during the period of this work. “MOSHA” mean Maryland Occupational Safety and Health Administration. “Owner” means any individual, partnership, corporation, or other business entity which owns in fee simple a migratory labor camp located in the State. “Plan” means a proposal which has been approved by MDH and MOSHA describing the structural, mechanical, electrical, plumbing, and other work items necessary for health and safety improvements to a migratory labor camp. “Program” means the Migratory Worker Housing Facilities Program. “Secretary” means the Secretary of Housing and Community Development. “SRA” means a Senior Residential Appraiser of the Society of Real Estate Appraisers. “SREA” means a member of the Society of Real Estate Appraisers.