The Treasury Department report found that 80% of homeowners who are technically eligible for the government's mortgage modification program under Making Home Affordable are actually ineligible. Only 900,000 homeowners, or less than 20% of those delinquent on their mortgages, qualify for the program. Critics argue the program is ineffective as it is only designed to help a small portion of homeowners and fell short of its original goals. Common reasons for ineligibility include the type of loan, the property not being a primary residence, monthly payments already deemed affordable, or the homeowner abandoning the property.