Hi michaela54,
Welcome to the forum and thank you for joining..............
IndyMac is currently going through some changes with an investor pool buying the bank............and because this is very new.........we do not have any information yet on what that would mean to the loans that are being serviced by them.
You may want to contact NACA and see if they are able to help you with the modification process...........
https://www.naca.com/refinance/refinanceTenStep.jsp