Rightly or wrongly, a lot of the bad stuff of the Obama era can plausibly be blamed on political constraints. The failures of HAMP are on his administration entirely.
Once upon a time I had an opportunity to ask Obama a question. Some very serious journalist somewhere mocked it, but I still think it was the right one. I asked something like, "Are you happy with the federal response to the foreclosure crisis?" I made it open ended, deliberately, because...well, how could you be happy?
