Introduction

It is inherently obvious to anyone who owns a computer that the Internet has changed the world around us in a significant number of ways. From an uncountable number of careers to a world-wide open market, it drastically affected everything around us. Don't worry though, I will not bore you with another ``The future will look like this ... '' article. For that, I will refer to you a great book by Michio Kaku called Visions that is remarkably accurate considering it was written in the mid 90's. But anyway, why am I restating the obvious? To allow myself to focus on one not so obvious division of an existing market developed by a corporation that had previously filed for bankruptcy. I will elaborate on how it "innovated" one particular market and how that change resulted in a ripple of disaster and greed. The market is real estate and my focus is on mortgage leads ¹. I will begin by explaining what mortgage leads are, why they are worth writing a paper about and how certain individuals have made millions off of them. I will then discuss the roles of the connected individuals and how they continue to work when trust is the single point of failure. My decision to write this article is nothing more than informational, I have no intentions of ruining the lives of the people who make a living from what I am about to discuss. In fact, it is to my knowledge not much of a secret at all but I found it fascinating and wish to share my experiences with anyone willing to listen.