Mortgage Frustrations

We bought our house at the top of the market in 2005. We put a down payment down, and didn't finance 100% of the mortgage. We now owe $241K on a house that's worth roughly $125K. There is NOTHING anyone can do for us. Short of getting up and walking away, there's no recourse or assistance available. We can't even take advantage of the much lower interest rates, because our OWN MORTGAGE COMPANY -IndyMac aka OneWest Bank- won't even look at our loan to do a rate adjustment. Never mind that we've never been late on a payment. Never mind that our DTI is in the low teens. Never mind that IndyMac itself had to be bailed out by the Feds in 2008.

Where's the assistance to homeowners like me who no one gives a damn about? You banks should be bending over backwards to keep "good" borrowers like me in my home!