ING has some great programs but is not the best jumbo lender in CA right now, they are over saturated there and have significantly raised their rates and limited their programs specifically in CA this year.
On a 7/1 ARM for 500k we can offer you as low as 4.5% with 1 point origination. ING's rate would be over 5.5%...
This assumes at least 20% down or similar equity for a refinance, let us know the specifics and I can make sure it will work for you. Let me know if I can help,