; or (B) an individual who has at any time been placed in foster care or institutional care whose spouse or domestic partner has not, during the 3-year period ending upon acquisition of the eligible home to be acquired using such assistance, had any ownership interest in a principal residence in any State, excluding ownership of heir property, whether such individuals are co-borrowers on the loan or not. (6) First-time homebuyer The term first-time homebuyer means a homebuyer as defined in section 104 of the Cranston-Gonzalez National Affordable Housing Act ( 42 U.S.C. 12704 ), except that ownership of heir property shall not be treated as owning a home for purposes of determining whether a borrower qualifies as a first-time homebuyer. (7) Heir property The term heir property means residential property for which title passed by operation of law through intestacy and is held by 2 or more heirs as tenants in common. (8) Loan guarantee agency Unless otherwise specified, the term Loan Guarantee Agency means the Federal Housing Administration of the Department of Housing and Urban Development or the Rural Housing Service of the Department of Agriculture, as appropriate. (9) Secretary Unless otherwise specified, the term Secretary means the Secretary of Housing and Urban Development or the Secretary of Agriculture, as appropriate. (e) Reliance on borrower attestations No additional documentation beyond the borrower’s attestation shall be required to demonstrate eligibility under paragraph (4) of subsection (d) and no State, eligible entity, or creditor shall be subject to liability, including monetary penalties or requirements to indemnify a Federal agency or repurchase a loan that has been sold or securitized, based on the provision of assistance under this section to a borrower who does not meet the eligibility requirements under paragraph (4) of subsection (d) if the creditor does so in good faith reliance on borrower attestations of eligibility required under such paragraph. (f) Implementation The Secretary of