; or (ii) the place of residence of the homeowner is located. (B) Exception If the area described in subparagraph (A) is a high-cost area, as determined by the Secretary, the term low- and moderate-income persons means a homeowner whose household income does not exceed 140 percent of the median income for the area. (5) Qualifying nonprofit The term qualifying nonprofit means a nonprofit, mission-driven entity that, as determined by the Secretary— (A) has a track record of providing assistance to homeowners; (B) targets services to minority and low- and moderate-income persons; or (C) provides services in neighborhoods that have high concentrations of minority persons and low- and moderate-income persons. (6) Secretary The term Secretary means the Secretary of Housing and Urban Development. 4. Heirs’ property housing counseling Section 106(g) of the Housing and Urban Development Act of 1968 ( 12 U.S.C. 1701x(g) ) is amended by adding at the end the following new paragraph: (6) Counseling with respect to heirs’ property (A) In general Any nonprofit organization that receives amounts under this section shall, when providing homeownership counseling services to consumers— (i) explain to such consumer what heirs’ property is, the risks associated with heirs’ property, and how to avoid heirs’ property issues