Thanks everyone. I believe that Google Panda is already out. I just read an interesting blog post about it after hearing about it from ****Master above. Here is the link, it gave me some insight on what I should change about my own website.
Quit Blaming Your Suck on Panda | Search Engine Journal
This is the site that we are trying to optomize
Canada Mortgage Consultant - The Fast and Friendly Way to Obtain Your Next Mortgage!
There is a lot of competition out there for mortgage brokers.
The main reason, in what I am trying to do is get us optimized locally in Victoria, but I would like to do a cost/benefit analysis. The company that I have in mind wants $1000 to do it and has been recommended by another broker firm but they are an American company and I rather use some one local.
Anymore insight or feedback would be great.
Jared