IndyMac Mortgage Services - OneWest Bank One West Bank Loan Modifications? Don't Make Me Laugh Internet

After updating forms and waiting another two weeks, I finally got the answer I've been waiting for for more than a year and a half:  no. Apparently under federal guidelines, a mortgage payment that is 54% of your net incomes still does not make you a risk for imminent default if you haven't already defaulted.

So thank you, Ripoff Report, as this proved to be the only way to at least get a response from IndyMac/OneWest.  For those of you still hoping for a loan modification, if your loan is Fannie Mae there is a very efficient helpline there that will help you through the process, and even get you on a conference call with your servicer if it appears you're being jerked around. Best of luck to you.

And one more caution:  if you're advised that an option is to default by making a partial payment, thereby making you qualified for a different program, beware.  If your plan is to sell and downsize, you WILL NOT get a new mortgage if you've defaulted on your prior one, even if your old bank told you it was acceptable. 
Forebearance, however, if it spells out that your credit will not be impacted, could provide some short term relief.

I wish I had never had to learn all this, but I've learned it and I hope it helps you.

A representative of OneWest called me the day after I posted this, saying they'd seen this post and wanted to see what they could do to resolve it.
This site is read and noticed.  I will update if and when this is settled.