(RECAP: Mortgage credit availability maintained its slight upward trajectory in July, increasing .5% from 115.8 in June to 116.4 in July, according to the Mortgage Credit Availability Index, a report from the Mortgage Bankers Association. The increase was primarily driven by a rise in the number of jumbo adjustable rate mortgage programs. Meanwhile, there was a slight loosening in lender criteria for several programs with respect to minimum credit scores and maximum loan-to-value ratios, especially FHA and VA loans.)