; (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) ); or (E) is made, insured, or guaranteed for the benefit of a veteran. (4) First-generation homebuyer The term first-generation homebuyer means a homebuyer that is, as attested by the homebuyer— (A) an individual— (i) whose parents or legal guardians do not, or did not at the time of their death, to the best of the individual’s knowledge, have any present ownership interest in a residence in any State, excluding ownership of heir property or ownership of chattel; and (ii) 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 present ownership interest in a residence in any State, excluding ownership of heir property or ownership of chattel, whether the individual is a co-borrower on the loan or not; 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 residence in any State, excluding ownership of heir property or ownership of chattel, whether such individuals are co-borrowers on the loan or not. (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