If your mortgage is through Indymac, you might want to stop paying your mortgage

FDIC: Loan Modification Program for Distressed Indymac Mortgage Loans

The streamlined loan modifications will be available for most borrowers who have a first mortgage owned or securitized and serviced by IndyMac Federal where the borrower is seriously delinquent or in default. IndyMac Federal also will seek to work with others who are unable to pay their mortgages due to payment resets or changes in the borrowers’ repayment capacities.

If you pay your mortgage on time, you're a fool. The government only helps out those who are irresponsible.