A bit of a deal was made in convention videos about how Obama reads a small stack of letters from people. When a few of us sucky bloggers met with him awhile back, I asked him if he was happy with the federal response to the foreclosure crisis. One thing he said (from memory) was that he gets lots of letters from people about how they've been helped by HAMP.
Some people were helped by HAMP, but a lot of people were totally screwed by it.