; (C) any other nonprofit, mission-driven entity that the Secretary finds has a track record of providing assistance to homeowners, targets services to minority and low-income populations, or provides services in neighborhoods having high concentrations of minority and low-income population; 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 ). (3) Eligible home The term eligible home means a residential dwelling, including a unit in a condominium or cooperative project or a manufactured housing unit, that meets the requirements of section 4. (4) Eligible mortgage loan The term eligible mortgage loan means a residential mortgage loan that meets the requirements of section 5. (5) Heir property The term heir property means residential property for which title passed by operation of law through intestacy and is held by two or more heirs as tenants in common. (6) Ownership interest The term ownership interest means any ownership, excluding any interest in heir property, in— (A) real estate in fee simple; (B) a leasehold on real estate under a lease for not less than ninety-nine years which is renewable