I applied for a RMA after asking a handful of employees at IndyMac if they had a program for "underwater Mortgages" not a hardship. I received a "yes, yes, yes" "WE HAVE A PRINCIPAL FORGIVENESS PROGRAM" per customer service. But was told I would have to fill out RMA application anyway. That was done in 09/2010. Briefly, I had to fill out that RMA THREE times as they said it had expired. Probably because they are so slow. More pay stubs requested etc etc. And I would always ask, "Do you have the program I need?"... read full review »