ING loan offers are a giant scam. Even with 60% LTV they'll find a why to deny your loan.
I also went to ING to refinance, precluding other avenues. Their appraisal came in 18% lower than an appraisal conducted less than 1 year prior and they priced the home lower than every comparable they identified. They completely refused to consider any information I provided them, and refused to provide an explanation, mathematical calculation, or any detail around how they arrived at their appraised value.
ING Good Faith Estimate's are meaningless. They'll break their contract using a low-ball fictitious valuation, refuse to provide any evidence backing up their claim, and refuse to use any third party appraisal or comparable sales you provide.
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