Is the mortgage market starting to heal?

I thought this article was pretty interesting, especially after going to the Economic Outlook Conference this past week. The article points out that the percentage rate of late mortgage payment loans in the fourth quarter has decreased. Although a small decrease (9.64% to 9.47%), any change is good change.There hasn't been a positive change like this since 2006. According to Jay Brinkmann, the chief economist of the MBA, this change might be a sign that the "end is in sight." Brinkmann also points out that the ending months of the year is usually when payments are postponed due to various spendings that build up over the year. For example, christmas and holiday spending. With that said, the decrease in the number of missed payments in the fourth quarter is a positive sign.