According to HousingWire.com, the Republican leadership in the House of Representatives said they could not find time on the floor to bring a vote to end the Home Affordable Modification Program (HAMP).  Intended to reach three to four million troubled homeowners by 2012, servicers have begun only 600,000 applications in two years.  Democrats say, in light of complaints from borrowers about lost paperwork and foreclosures occurring during the process, the Treasury Department needs to oversee the servicers better.  However, the Congressional Oversight Panel (COP) notes the problems banks have with their balance sheets in light of all the negative equity, foreclosures and delinquencies. Each HAMP modification program will cost the government about $20,000.