ING Direct's Orange Mortgages are a great option for those who want to purchase a home or business location. ING mortgage rates are competitive, which means that you can always be sure that you're getting a great deal.

While there are certainly many banks to choose from when getting a mortgage, many people are opting for the ING Direct Orange Mortgage because of the low costs.

You should consider ING Direct's Orange Mortgages if:

1. You want an easy application. Whether you are applying or ING Direct adjustable rate mortgages or fixed rate mortgages, the application is quick and easy.

2. You want low closing costs. Other banks charge extra fees on top of your mortgage, including mortgage points and closing costs. With an ING Direct mortgage loan, you don't have to worry about this.

3. You want a rate guarantee. You can be sure that ING Direct mortgage rates are as low as possible because they guarantee it. If the rates decrease in the first 60 days of your mortgage (30 days if it's a refinance), then they will lower the rate on your loan.

Action Steps
The best contacts and resources to help you get it done

Apply for ING adjustable rate mortgages

If you are interested in an adjustable rate mortgage, look no further than the Easy Orange.

I recommend: The Easy Orange mortgage is an adjustable rate mortgage. You will lock in a low rate for the first 5 years. Once your 5 years is up, you can either pay the balance in full or lock in for another 5 years at the current rate, plus a refinancing charge. Learn about the Easy Orange mortgage and fill out an application. You can easily opt for a bi-weekly payment plan at no extra charge.

Consider fixed rate ING mortgages

Many people prefer the consistency of fixed rate mortgages from ING. The fixed rate ensures that your rate will not increase over time, which many people find comforting. The Orange Mortgage is ING's fixed rate program.

I recommend: Learn the advantages of the Orange Mortgage. If you are still not sure if it is right for you, the solutions calculator may help you decide.

Compare ING Direct mortgages with the mortgages from other companies

ING mortgages seem attractive due to their low rates and lack of additional fees. This doesn't mean that it's the best deal for you. A mortgage is very costly, so before you sign any papers, make sure that you get the lowest rate possible.

I recommend: Bankrate.com is a trusted site for mortgage comparison. This should be your first stop in comparing mortgages. At Loan.com, you can search the rates in your state.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  The ING Direct adjustable rate mortgage can be risky. At the end of your 5-year period, your interest rate may increase, which can significantly increase your monthly payment. Make sure you understand the potential downsides.