I have worked as a professional in the financial services industry for the past 25 years, and I consider myself to be a sophisticated consumer. My wife and I wanted to combine the balance of our first mortgage and existing home equity line into one single mortgage, and I received information about the “Orange Mortgage” from ING Direct. We applied on-line, and received an immediate approval under the terms we requested, subject to verification of income, satisfactory appraisal, etc. Everything was fine until the... read full review »