Section 4-1601 - Definitions(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.