Where on the net (sites or discussion groups) can I find people that
are interested in doing a mortgage or refinancing and that live in the
US? (Sites that offer leads for a fee are not acceptable) (people with
bad credit are ok)

Hello Yasha78-ga,
.
Below are a list of discussion groups with subjects that sometimes
cover mortages or refinancing (depending on the topic on discussion):
.
http://www.themortgagenetwork.ca/forum/forum.asp?FORUM_ID=2
.
http://groups.google.com/groups?hl=en&lr=&ie=UTF-8&group=misc.taxes.moderated
.
http://www.bankersonline.com/ubb/Forum1/HTML/001252.html
.
http://groups.google.com/groups?hl=en&lr=&ie=UTF-8&group=misc.invest.real-estate
.
http://groups.google.com/groups?hl=en&lr=&ie=UTF-8&group=misc.consumers.house
.
http://www.gfn.com/forum/forum.phtml?fid=13
.
http://www.realestatesuccess.com/wwwboard/wwwboard.html
.
http://www.propertysites.com/forums/read.php?TID=18
.
http://groups.google.com/groups?hl=en&lr=&ie=UTF-8&group=misc.invest.financial-plan
.
http://groups.google.com/groups?hl=en&lr=&ie=UTF-8&group=misc.taxes
.
http://1stinnovative.com/disc_frm.htm
.
http://forumsb.csi.com/gvforums/WhatsNew.asp?SRV=Money&HMN=0
.
http://www.real-estate-online.com/real-estate-financing/wwwboard6/
.
http://www.cardreport.com/wwwboard6/wwwboard.html
.
http://forum.doityourself.com/index.php?s=1640503c3f2a587afb49385d1c2c94ff
.
http://realestatesuccess.com/wwwboard/wwwboard.html
.
http://www.nahti.org/cgi-bin/forumpub/
.
The sites which do mortgage comparisons charge fees for being included
in the search results (as you point out) or are brokers for several
companies.
The open directory submission is free however
http://dmoz.org/Business/Financial_Services/Mortgages/
(add URL) this isn't a comparison site but at least people are looking
for mortgages here, and dmoz results are served at Google, and
numerous other sites.
.
Search strategy:
.
refinancing forum
://www.google.com/search?q=refinancing+forum&hl=en&lr=&ie=UTF-8&start=130&sa=N
.
forum mortgage is right for me
http://groups.google.com/groups?q=forum%20mortgage%20is%20right%20for%20me&hl=en&lr=&ie=UTF-8&sa=N&tab=wg
.

I hope that helps,
regards lot-ga