I'm not talking about positive attitude or any mumbo jumbo.

You can choose to sit back and wait for business to come to you based on some general marketing that you and your company may choose to do.

Or, you can be very focused and market for specific types of clients and literally go out and find the business.  There's plenty of business to be had,

Decide what you want to focus on and I don't mean "mortgages."  Choose to focus on reverse mortgages, commercial loans, first time home buyers, SBA loans, etc....

Create a focus group.  Odds are that you have friends or relatives that you can go to that fit the image of your target.  Approach your elderly aunt if you plan to do reverse mortgages.  Your newlywed cousin if you decide to do first time homebuyers.  Your sister-in-law's brother that owns a supply store in his own building if you decide to do commercial or SBA.  etc...

Don't do what you probably did a few years ago and try to do their loan.  Sit and talk with them about what it is they do, what their needs and wants are, what their short and long term goals are.  Who do they deal with on a daily, weekly and monthly basis (a HUGE help in knowing where to go to develop affinity or strategic partners).  Use all of this information to develop your marketing.

Be prepared for a longer time period than in the past.  Be ready to commit to your marketing plan for 6 to 9 months.

Go out and get the business.......like you should have been doing all along.