Online Bank Deals

Reviews and Comparisons of Online Banks and Savings Accounts

A clear and easy home loan solution

In the midst of all the bad news surrounding adjustable-rate mortgages, and despite the fact that mortgage rates aren’t anywhere near as low as people would like them to be, ING Direct is mass mailing about their ARM:

A mortgage without surprises

We believe you have the right to a mortgage that fits your needs and isn’t filled with surprises. That’s why we offer the 7/1 Orange Mortgage:

  • Low Closing Costs and No Bank Fees
  • Options that match most homeowners needs
  • Save thousands during the initial fixed rate of 7 years

On average, Americans keep their mortgage for no more than 7 years. Why not fix your rate for the amount of time you plan to live in your house or keep your mortgage?

See for yourself how we stack up against the competition:

Lender Rate Points APR
ING DIRECT 5.875% 0.000 5.953%
Countrywide 6.625% 0.000 6.262%
Wells Fargo 7.500% 0.125 6.741%
E-Loan 6.750% 0.969 6.427%
Indymac 6.750% 0.000 6.333%

Sources: Bank sites as of 6/24/08. 7/1 Adjustable Rate Mortgage Annual Percentage Rates based on a $235,000 mortgage. APRs include common and customary closing costs. Rates may change at any time.


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Compounding frequency

The frequency that a financial institution compounds interest on your deposit. Banks and financial institutions routinely use compounding to pay you a higher interest rate. For example, a financial institution may be offering a CD that pays interest at 10%. If the institution does not compound interest, you will receive 10 percent of your investment as interest income at the end of a year. But if the institution compounds interest every three months (quarterly compounding), you will earn an interest rate of 10.38%. If the institution compounds interest monthly, you will earn 10.47%. And if it compounds daily, you will earn 10.52%. For a $10,000 deposit, this is an extra $52 in interest that you earn.