Assuming you're in the US and haven't already bought a first home, the First Time Homebuyer Act and other similar smaller (state level) programs generally combine to make it stupid easy for you to get a loan. However, just cuz it's easy, doesn't mean you should. If house prices go down it'll become (more of) a buyer's market. The banks only became more strict about lending standards after the housing crisis and the issues with their lending practices became apparent - I don't think it was so much due to the housing prices going down as much as both of those 2 events happening concurrently as a result of the bigger issues going on in the economy at the time. Honestly, if housing prices go down, it should be easier to get a loan because you'd need a smaller one.
You want a buyer's market - more houses than prospective home buyers to force sellers into more competitive pricing. Is it selfish to desire favorable market conditions for major purchases, especially if we are talking about the potential biggest purchase of your life? I don't think so, I think it's smart.