On second thought, keeping its reverse mortgage unit in-house seems like a pretty good idea to IndyMac. The California-based lender made headlines earlier this year when it revealed plans to spin off its Financial Freedom reverse mortgage shop through an IPO, though it planned to keep a majority stake. But in a reversal, IndyMac said last week that it has decided to take a 100 percent stake in the business, making it a wholly-owned subsidiary.…