Loans shall not be made by the agency to a qualified mortgage lender under this article, except pursuant to an agreement between the agency and the qualified mortgage lender. The agreements shall include the following:
(a) A maximum interest rate that can be charged for construction loans or mortgage loans.
(b) A specification of the requirements of loans authorized by this part.
(c) Standards for mortgage servicing and foreclosure practices, including
programs of forbearance and recasting for mortgages in default.