# COMAR Title 05 — Department of Housing and Community Development

## Subtitle 19 — Homebuyer Education and Counseling

### Chapter 01 — Required Notice of Housing Counseling Programs and Services

#### Regulation .02 Application.

*COMAR 05.19.01.02*

A. This chapter applies to any lender that makes a mortgage loan secured by owner–occupied residential real property located in the State.

B. This chapter does not apply to:

  (1) Any mortgage loan in which the initial application was completed prior to January 1, 2011;

  (2) A secondary mortgage loan;

  (3) An open–end or revolving home equity line of credit;

  (4) A construction loan;

  (5) An individual who takes back a deferred purchase money mortgage in connection with the sale of residential real property owned by, and titled in the name of, the individual; or

  (6) An individual who makes a mortgage loan to a borrower who is the individual’s spouse, child, child’s spouse, parent, sibling, grandparent, grandchild, or grandchild’s spouse.