(9) Definitions For purposes of this subsection: (A) The term “control area” means an area designated by the Secretary under paragraph (7)(E). (B) The term “counseling target area” means an area designated by the Secretary under paragraph (7)(A). (C) The term “creditor” means a person or entity that is servicing a loan secured by a qualified mortgage on behalf of itself or another person or entity. (D) The term “displaced homemaker” means an individual who— (i) is an adult; (ii) has not worked full-time, full-year in the labor force for a number of years, but has during such years, worked primarily without remuneration to care for the home and family; and (iii) is unemployed or underemployed and is experiencing difficulty in obtaining or upgrading employment. (E) The term “downpayment” means the amount of purchase price of home required to be paid at or before the time of purchase. (F) The term “eligible homebuyer” means a homebuyer that meets the requirements under paragraph (5)(B). (G) The term “eligible homeowner” means a homeowner that meets the requirements under paragraph (6)(D). (H) The term “first-time homebuyer” means an individual who— (i) (and whose spouse) has had no ownership in a principal residence during the 3-year period ending on the date of purchase of the home pursuant to which counseling is provided under this subsection; (ii) is a displaced homemaker who, except for owning a residence with his or her spouse or residing in a residence owned by the spouse, meets the requirements of clause (i); or (iii) is a single parent who, except for owning a residence with his or her spouse or residing in a residence owned by the spouse while married, meets the requirements of clause (i). (I) The term “home” includes any dwelling or dwelling unit eligible for a qualified mortgage, and includes a unit in a condominium project, a membership interest and occupancy agreement in a cooperative housing project, and a manufactured home and the lot on which the home is situated. (J) The term “metropolitan area” means a standard metropolitan statistical area as designated by the Director of the Office of Management and Budget. (K) The term “qualified mortgage” means a mortgage on a 1- to 4-family home that is insured under title II of the National Housing Act [ 12 U.S.C. 1707 et seq.]. (L) The term “Secretary” means the Secretary of Housing and Urban Development. (M) The term “single parent” means an individual who— (i) is unmarried or legally separated from a spouse; and (ii) (I) has 1 or more minor children for whom the individual has custody or joint custody; or (II) is pregnant.