It is not news that it is getting tougher to make a living as mortgage broker and real estate agent. There are many factors to blame, and business is likely to get tighter before it gets better. What can you do? Polish up your personal brand and bring quality traffic to your website. Don’t waste another nickel on postage, printing, newsletters, magazine ads, and refrigerator magnets. Clients are online enjoying, enabling, and empowering themselves. Advertise on sites they may be visiting.