Clark has great news for you if you need to borrow money. Online banks offer great interest rates for people trying to save. But what about those who need to borrow? Well, the same great offers are available to them. ING Direct, for example, has been offering mortgages that are below the market norm and have almost no closing costs. Emigrant Direct is also offering a similar deal, and offerings will steadily increase. ING is also testing online checking accounts that don’t have checks. Everything you do will be electronic. So, look for these deals soon!