mortgage loan The term residential mortgage loan means any consumer credit transaction that is secured by a mortgage, deed of trust, or other equivalent consensual security interest on residence consisting of a single dwelling unit that is occupied by the mortgagor. 109. Bankruptcy protections (a) Increasing the homestead exemption (1) Homestead exemption Section 522 of title 11, United States Code, is amended— (A) in subsection (d)(1), by striking $15,000 and inserting $100,000