I'll second that emotion on HomeGain. The first year my AllStar group used it and we paid I think $95.00 for the year. We had one agent get a lead which worked out. We all cancelled but then they gave it to us for free and a referral fee. I worked that puppy like crazy and got ONE deal out of it. What was really laughable about HomeGain is that they actually used their buyers wants as a survey of what REAL buyers are looking for in a home. The data was gleaned from these folks who didn't even understand pricing in the areas they queried about. I would regularly get Homegain leads looking for a home to buy for $250,000 when the median in our area was $650,000! Silly! Junk-in, Junk-out!
I have a local radio show here in the NorthBay and find this a wealth of great leads. I broadcast on a local station with a "talk" format. I'm the only one in the NorthBay doing a show and I use it in all my listing presentations and do 6-10 deals a year from it. It is paid by sponsors and Keller Williams with me paying a very small amount. If you've got the urge check out your local market.
I also belong to a local "Tips Club" which is amazing!! I met a great client who is a profesional Fiduciary and manages estates as a trustee. We did 8 deals this year alone. Just from him!! There is "LeTip" and BNI which are national franchies. But you can start your own. Walter Sanford used to have his "Diamond Club" information which I constantly give to agents to use for starting your own club. Just the calling of the businesses will get you leads!! Good luck!