The recent $8.5 billion mortgage settlement will aid distressed homeowners.

The results are in! With all the news and changes in the mortgage market, we wanted to know what mortgage professionals thought about the market and recent changes, and what their predictions are for this year.

We sent this survey out to hundreds of lenders in the city and suburbs to find out what lenders think about government programs, interest rates, loan guidelines, regulations and more, as well as what they think will happen in 2013.