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Honestly.  Being really honest here. I would find a different industry for my focus. Your target is really really really really tough.  You have arrived late to this fight and your competitors are fierce, armed to the teeth, occupy ALL of the highest ground and have spent $x00,000 or more to acquire their positions.  Lots of them cheat too. The only way that I would enter this niche is if I was Mr Mortgage, had a really big company with very deep resources behind me and I was able to service all of the clients myself.  This ground will be very expensive to attack if you expect to be even marginally competitive. My money says that you will get your ass kicked.  I think this is a very safe bet.