Relative to the tight lending enviroment the last several years, we have observed a trend from many lenders favoring more aggressive lending behavior. Lenders who disappeared from the radar the last several years have recently stepped back in and are beginning to lend aggressive again. Most lenders however, are still closRelative to the tight lending enviroment the last several years, we have observed a trend from many lenders favoring more aggressive lending behavior. Lenders who disappeared from the radar the last several years have recently stepped back in and are beginning to lend aggressive again. Most lenders however, are still closely watching and  demanding tight loan to value ratios and are requiring cash down (commitment) from customers depending on severity of past credit history, job stability and income.ely watching and  demanding tight loan to value ratios and are requiring cash down (commitment) from customers depending on severity of past credit history, job stability and income.