Part of the problem with mortgage spam is the financial structure of the mortgage industry. Third-party mortgage brokers make thousands of dollars hooking buyer up with seller, while doing relatively little actual work themselves beyond coordinating all of your paperwork.

If consumers could directly approach banks and get mortgages with those kick-back fees deducted from the costs, the mortgage broker industry would collapse. Instead, when you directly approach a bank, they keep that fee for themselves. You'd think that the intense competition of the banking industry, like the airline industry, would push the middle-men out of the business, but it doesn't seem to be working that way.

Oh well.