With respect to a loan agreement which is secured in whole or in part by a first or junior lien on real estate under which the aggregate of all sums advanced or contemplated by the parties in good faith to be advanced will not exceed one hundred thousand dollars.

1. (1) The debtor has the right to prepay the debt in full at any time without penalty;

2. (2) The rate of the loan finance charge is a fixed, nonvariable rate. This subsection does not apply:

   1. (a) If the borrower otherwise agrees; and either
   2. (b) The loan is primarily for a business or agricultural purpose or is used for the construction of any improvements on the real estate which provides the security for the loan; or
   3. (c) The creditor makes the loan in accordance with any regulation governing alternative mortgage loans promulgated by the State Board of Financial Institutions or a federal regulatory agency.