With so many changes in our industry, I am just curious how have you changed up your business. Where is the majority of your efforts focused? on what is working for you and not working for you?  I have always had a great past client system that gives me about 95% of my business, but am looking to increase the number of past clients that I have in my database and really unsure which business pillar I should persue at this time! It seems with all of the marketing saturation in California from Mortgage companies the majority of time that borrowers see a realtor, they already have a lender... so my feeling is that the referrall power from Realtors is just not what it use to be a few years back.  Please let me know your thoughts.  Thanks in advance.

Lorraine