(a) In this subtitle the following words have the meanings indicated.
(b) “Covered county” means:
(1) a county that has adopted home rule powers under Article XI-F of the Maryland Constitution; or
(2) Anne Arundel County, Calvert County, Frederick County, Howard County, or Washington County.
(c) “Family of low or moderate income” means a family or individual that a covered county determines cannot afford a price or rent sufficient to induce private enterprise in the covered county to build enough adequate, safe, and sanitary housing without the assistance of a program.
(d) “Program” means a residential mortgage program under this subtitle.