The Obama Administration’s Home Affordable Modification Program, or HAMP, marks its fourth year this month, with 856,154 households under “permanent” mortgage-reduction plans to help avoid possible foreclosures. But is has been a tough four years and the program continues to lag behind the initial goal of helping up to 4 million homeowners.

Homeowners have begun to be evaluated under the latest enhancements to the Obama Administration’s foreclosure rescue program, but many of the biggest lenders are not ready to fully implement the upgrade, missing the June 1 deadline set by Treasury officials.