ING - Direct - The Good & The Bad

re. Mortgages:

Good - Low ARM rates, limited escrow & no upcharge for cash out (75% LTV)

Bad - 2 week wait for a low appraisal (usually 3 business days), house apprasier called at 10am to try to schedule a 2pm same day appraisal,  CS people are clueless - zero value add & a million underwritting questions at the 11th hour - very, very unprofessional