By Teke WigginBefore the housing bubble burst, Anthony Ugaro lived across from a country club in Bloomfield, N.J. "I was playing golf every day. I thought I was a duke," he said. But the good life began to unravel for Ugaro, 65, when the military veteran lost his job at an electronics company in 2009. Soon after, he was diagnosed with heart disease, which hampered his ability to work and to keep up with mortgage payments. Suddenly facing foreclosure, Ugaro twice ignored his doctor's advice and took on part-time jobs to make ends meet. His wife, Judy, currently works three jobs, he said, and they have exhausted $55,000 in savings, all to stay afloat. The Ugaros are the kind of homeowners that government was trying to help with its flagship housing aid program. But three years later, after repeated efforts to work with their lender through the Home Affordable Modification Program, they've joined millions of others who've had their HAMP applications denied, for reasons many of them find hard to understand. And the Ugaros have just about given up hope.