[INDENT][INDENT]Oct. 27 (Bloomberg) -- For almost a year, Luis Flores has been lobbying mortgage lender IndyMac Federal Bank FSB to cut his house payments. They have doubled since he refinanced his home loan in 2005 and he can't afford them, Flores says.

``Every time I call them they say they can't help,'' said Flores, 31, a graphic designer and bartender in Contra Costa County, California, where one in every 146 homes is in foreclosure. ``They tell you the solution is that they take Visa or MasterCard.''

Flores refinanced his mortgage through IndyMac, the Pasadena, California-based company that was seized by the FDIC in July. Two months after his loan was issued near the end of 2005, it adjusted from 1.5 percent interest to about 9 percent, Flores said. That lifted his monthly payment to $3,700 from $1,700 and covered only the interest. He said his home is worth $255,000 today and he owes about $480,000.

``[color="Red"]I want a payment that I can afford, and [color="Red"]I want to feel like I'm making payments toward the house,'' said Flores. He's told the bank in e-mails and phone calls that he can pay $2,300 to $2,500 a month, he said
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