Yesterday the House of Representatives voted to end the Home Affordable Modification Program claiming that it was a failure.  The conclusion that HAMP has been a failure is probably accurate considering that only one billion of the 30 billion dollars allocated by the government to help troubled homeowners has been used.  Banks are claiming the failure is the fault of homeowners inability to get them their paperwork or make their trial payments.  This has not been my experience.  Rather than throwing the baby out with the bath water, Congress should look into ways to improve the program. Luckily it does not appear likely that the Senate or the President would vote to end HAMP.