The Home Buying Institute reports that mortgage delinquencies fell by almost 14% last year, per a survey published by Transunion. It is anticipated that this news will lead to increased confidence, and investment in the mortgage industry. The drop in delinquencies may be due in large part to the efforts of mortgage lending programs such as NeighborhoodLIFTS, administered by Neighborworks, a nonprofit organization, in partnership with the City of Los Angeles and Wells Fargo Bank, which recently celebrated its one year anniversary. Such programs provide down payment assistance to qualifying applicants who otherwise could not purchase a home, on condition that those applicants complete a home buyer education training course. It is anticipated that the training will lead to more responsible borrowing, which would have the effect of reducing delinquencies.