``the SIGTARP Report doesn't take many things into account, like what happens to loans that are transferred to sub-servicers while in the modification process... and I do understand that, while it may be true that something like 70 percent of homeowners are denied for HAMP at least once, that DOES NOT MEAN that 70 percent of applicants are losing homes to foreclosure as a result. Okay... but with all of that and more being acknowledged, it's still a process and system that is in dire need of attention by people who recognize the need to make it better. ''

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