; (B) a community development financial institution, as such term is defined in section 103 of the Riegle Community Development and Regulatory Improvement Act of 1994 ( 12 U.S.C. 4702 ), that is certified by the Secretary of the Treasury and targets services to minority and low-income populations or provides services in neighborhoods having high concentrations of minority and low-income populations; (C) any other nonprofit entity that the Secretary finds has a track record of providing assistance to homeowners, targets services to minority and low-income or provides services in neighborhoods having high concentrations of minority and low-income populations; and (D) a unit of general local government, as such term is defined in section 102 of the Housing and Community Development Act of 1974 ( 42 U.S.C. 5302 ). (2) Eligible home The term eligible home means a residential dwelling that— (A) consists of 1 to 4 dwelling units; and (B) will be occupied by the qualified homebuyer as the primary residence of the homebuyer. (3) Eligible mortgage loan The term eligible mortgage loan means a single-family residential mortgage loan that— (A) meets the underwriting requirements and dollar amount limitations for acquisition by the Federal National Mortgage Association or the Federal Home Loan Mortgage Corporation; (B) is made, insured, or guaranteed under any program administered by the Secretary; (C) is made, insured, or guaranteed by the Rural Housing Administrator of the Department of Agriculture; (D) is a qualified mortgage, as such term is defined in section 129C(b)(2) of the Truth in Lending Act ( 15 U.S.C. 1639c(b)(2) )