Twist and I don’t often march in step with Realtors(R) [1] and brokers,[2] looking for all the world like "The Spirit of ‘76", but we’ll make an exception today. An official with the The National Association of Mortgage Brokers warns that this scam has "very serious privacy, identity-theft, and bait-and-switch issues",[2] and you can stop it with a simple phone call.