(1) a bona fide nonprofit corporation that grants a first mortgage loan to promote home ownership for low and moderate income borrowers;
(2) an agency of the following that grants a first mortgage loan under a specific federal or state law: (a) the federal government; (b) a state, county, or municipal government; or (c) a quasi-governmental agency;
(a) the federal government;
(b) a state, county, or municipal government; or
(c) a quasi-governmental agency;
(3) a casual lender that makes less than five mortgage loans a year; or
(4) a mortgage loan of two years or less.
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