Here are a couple articles that might help:
335 free web directories
There may be some sites in the list above that are now requiring a reciprocal link or payment for the link, but the majority still require nothing. Submitting a link to them is really easy - you enter information in a form, hit submit, and possibly verify your submission by clicking a link they send to your email address. That's it.
Now, it does matter how you enter your information for these links (or can matter, I should say). The title of your link is what matters, in particular. In other words, know what search terms you want to rank in the search engines for (i.e. "contract processing", "utah mortgage processing", etc) and use those terms as the title for your site.
Here's more information that you can use to apply to your endeavor.
I hope this helps!