I have been stonewalled by Indymac on my remod. They tell me they don't have an option for me right now. However, they are willing to five me a reduced payment option for 6 months. If I make the reduced payments they will not forclose during that time. They do not guarantee a remod out of it either. My thoughts are, this is not a permanent fix, which is what I need. Will this prolong a possible permanent fix, or is this a good idea to give myself and the bank more time?