According to Fannie Mae's first quarter 2015 Mortgage Lender Sentiment Survey, more lenders say the credit tightening is softening, and that they expect demand to increase.
It has been several months now since FNMA, FMAC and FHA all made significant changes in their loan programs aimed at making it easier to get a home loan. FNMA and FMAC are now offering low downpayment programs and less stringent credit requirements, and FHA lowered their mortgage insurance premiums.
Perhaps these changes are now beginning to be embraced by lenders and they are, in fact, making it easier to buyers to get a mortgage.
Read more about it: Mortgage Lenders Say Credit Is Easing - Lenders have high hopes for the next three months: They are expecting a big turnaround in mortgage demand and their profit margins. 
[NAR Daily News Magazine]
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Freddie Mac announced the results of its Primary Mortgage Market Survey® showing average fixed mortgage rates moving lower for the first time in four weeks. 
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