Good intentions count, but cash is definitely better. The Treasury Department reported that fewer borrowers are receiving permanent mortgage modifications through the Obama administration's program to aid troubled homeowners. Some 530,000 homeowners, or 40 percent of 1.3 million enrolled in the HAMP program, have had their reduced mortgage payments terminated. Participants are expected to contribute a third of their income to monthly payments. The main reasons borrowers are dropped include incomplete paperwork, missed payments and an inability to meet income and debt requirements.