When the Home Affordable Modification Program, or HAMP, was launched in 2009, the government’s goal was to help 3 to 4 million struggling homeowners. But stricter guidelines introduced last year reduced the number of eligible borrowers to 1.42 million and, by the end of December, a total of only 521,630 homeowners had received a permanent modification. Despite falling short of its initial goals, the program showed signs of stabilization at the end of the year. The Treasury Department said 30,030 homeowners received permanent loan modifications in December, up from 29,972 in November. And though, for much of 2010, the number of borrowers dropped from the program exceeded those helped, only 18,448 homeowners were ruled ineligible in December. More here, here, and here.