In this chapter, the following terms have the meanings indicated. Terms Defined. “Borrower” has the meaning stated in Financial Institutions Article, §11–501, Annotated Code of Maryland. “Department” means the Department of Housing and Community Development, a principal department of the State. “Homebuyer 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. “Initial application” means when: An applicant requests that a mortgage loan be made or obtained on the applicant's behalf; and The person to whom the request was made agrees to begin processing the loan application. “Lender” has the meaning stated in Commercial Law Article, §12–1301, Annotated Code of Maryland. “Mortgage loan” has the meaning stated in Financial Institutions Article, §11–501, Annotated Code of Maryland. “Owner-occupied residential real property” means real property that is a one- to four-family home occupied or to be occupied by the borrower as the borrower's primary residence. “Secondary mortgage loan” has the meaning stated in Commercial Law Article, §12-1301, Annotated Code of Maryland.