DSNews.com:  Relaxed mortgage credit standards may be a central factor in helping the housing crisis to come to an end this year.  At least that's the prediction of one financial analytics firm.  Capital Economics in a report released on Tuesday noted that the while the average credit necessary to get a mortgage is around 700, it's been constant over the past year.  In addition to this, the LTVs (Loan-to-Value) ratios have increased considerably to an average of 82 percent from a stark 74 percent nearly 2 years ago.  More details of the story are here: http://tinyurl.com/77fka4d.