I almost fell for these guys too. They called a good friend of mine in Virginia who is in the builder finance division of a large bank thinking he did mortgages. He didn't really know what they were talking about and referred them to me. They claimed they were a mortgage co based in CA and they only do loans in CA and CO, but they pay $250,000 a month in advertising on google to drive traffic to their site. They have leads from all over the country, so they offered exclusive TX leads to me for $35 each. They're selling the leads in an effort to recoup the enormous amount of money they spend on search engine marketing. They said leads were "double-verified". They were very good on the phone, and I almost feel for it, but "Steve" who I spoke with first called back the next day as "Steve" first, but I was busy. He called an hour later as "Daniel", but I recognized his voice and said, "I thought you were Steve?" He muttered something about maybe I spoke with Daniel earlier. that raised a red flag so I googled them and saw all of the negative info. I told "Steve" that I was reading the ripoff report right now and that there were 25 pages about them. He tried a rebuttal, but I told him I knew this was a scam, but that he was an excellent salesman. I kept complimenting his sales ability, told him I actually had my credit card in my hand to move forward with this, and kept joking about what a great scam it was. He finally broke down and started laughing, and said "Maybe I can come sell mortgages for you." I told him to bring some of those awesome leads he has and he laughed even more.
Luckily I researched it first.