During the housing boom, loans were easy to come by. After the housing bubble burst, the reaction was extremely opposite from banks: tighten all guidelines. Now, although the market has improved, it can still be a challenge for buyers to obtain a loan due to a variety of challenges. However, some government changes might be able to change that in the near future, or at least help ease the current challenges buyers have. Not up-to-date on these topics and other lending industry news? Houston Agent gathered the latest information right here. Read on to learn what’s in store for the lending industry in 2014.