; (2) may not be subject to a judgment secured through litigation with respect to such a loan under title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1070 et seq.), may not be subject to an order for wage garnishment under section 488A of such Act ( 20 U.S.C. 1095a ), and at the time of application for participation in the program under this section— (A) such a loan shall be in repayment status as determined under section 428(b)(7)(A) of such Act ( 20 U.S.C. 1078(b)(7)(A) ); or (B) such a loan shall be in a grace period preceding repayment; (3) may not have owned a home during the 3-year period immediately before the applicant purchases an eligible property with assistance provided under this Act; (4) shall complete a program of counseling with respect to the responsibilities and financial management involved in homeownership that is approved by the Secretary; (5) shall be creditworthy, as determined by the Secretary and the Director; (6) shall agree to use an eligible property purchased with assistance provided under this Act as the applicant’s primary residence for not less than the 3-year period beginning on the date of such purchase