Through INGDirect’s OrangeMortgage program, you can get rates as low as 6.309% APR for purchasing or refinancing a home for your primary residence.

Pay a low $895 closing cost when you get an Orange Mortgage for up to $500,000 and use their closing agent. As with any loan, you’ll need to pay required taxes, any odd days’ interest and any extra title insurance you choose to buy.

If you use your own closing agent or have a mortgage over $500,000, they still offer a pretty good deal - $1,000 off closing costs.

In addition, you’ll get a free 60-day rate guarantee when buying a home or a 30-day rate guarantee when refinancing your mortgage. This means that, from the day of your commitment, your rate is guaranteed for 60 days on purchases and 30 days on mortgage refinances, even if rates go up during that time.

Here’s a chart showing closing fees for a typical lender vs. that of the Orange Mortgage:

For more information visit their website or call ING Orange Mortgage customer service at 1-866-327-4599.