The Treasury Department's most recent Making Home Affordable Program Performance report, released monthly, showed that servicers have, indeed, made progress in using HAMP, particularly in the area of income calculation. For example, the Treasury found that more than 1 in 4 calculations of a borrower's income performed by Wells Fargo when evaluating HAMP applications was at least 5% off the mark in the first quarter of 2011. Now, just 1 in 50 are off by that much. Wrongly Denied? Could the Ugaros have been mistakenly denied a HAMP modification? That's unclear. But the couple does appear to meet all the main eligibility requirements of HAMP. Their home is their primary residence, their mortgage was originated before 2009 and they owe less than $729,750 on their mortgage. (They owe about $230,000.) Anthony's layoff and heart disease diagnosis also qualifies as a hardship.