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Good advice so far,thank you.
As far as my past clients, I worked as a wholesale rep for a bank and worked out of my house. I do have about 50 or so previous customers but since it was wholesale, I dealt with the broker not the actual borrowers. I will need to come up with some more ideas for my natural market, I will just really need to try and focus on referrals from this natural market to try and grow.
Those broker could be a market for you. They may not need your services but the people they deal with might. They could turn into centers of influence for you. Think about it these people will be seeing 1040s know about savings/investments etc. There are people on this forum that make a living contacting new homeowners and selling mortgage life (which is really just a simplified term policy and more costly than straight term). Just things to think about.