The National Association of Realtors (NAR) and the Federal Reserve have announced their fixes for the down housing market.  The two agree that increased lending to qualified buyers and more refinancing, loan modifications, and short sales.  This strategy, the two agree, will revitalize the market, allowing for more action to take place for buyers and sellers.  In a survey last year, the NAR said that tight credit restrictions made it harder for clients to close on homes, thus keeping the market down.