This chapter applies to any lender that makes a mortgage loan secured by owner–occupied residential real property located in the State. This chapter does not apply to: Any mortgage loan in which the initial application was completed prior to January 1, 2011; A secondary mortgage loan; An open–end or revolving home equity line of credit; A construction loan; 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 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.