hi
If I were you, I would set the reading options to show one post per page. This enables you to lead the reader on to inner pages and hopefully more clicks on adsense.
Also, in the right sidebar, I would move ( or even remove) the part, and also the author details(sorry about this, but your visitor is looking for info on mortgage, not about you).
I would see if I can classify my posts under more subcategories, making it look like a niche site with many topics. May help the visitor to decide what he wants info on, and navigate to the right post immediately. Once he is finished reading the post, he may end up clicking on the ads.
In the post itself, I have experimented with a left aligned 336x280 ad on the top of the post (not wrapped around the text) and one at the bottom. If done on your site, you will have for each post 2 large rectangle ads and a wide skyscraper ad.
If you can shift the right sidebar to the left, where people normally expect to see navigation links, your blog may look more like a niche site than a blog.
I love the link units you have put on top, but would personally prefer if the content area is narrow, rather than have it so wide that I have to scroll sideways - I prefer scrolling down to sideways.
The search box right on top, is it your blog search? Why not make it google search, so you can get a lil bit of money from people who do search? (have any statistics that tells you what people search for? If you prefer to use your site search, then use a plugin called site meter that tells you what people are searching for on your site. It can be revealing, and you can add exactly the content that people are searching for.)
Of course, take all these with a pinch of salt. What works for me may not necessarily work for you. Test, and then stabilise on what works.
I have a site at homeremediesandcures.com that pulls in consistent adsense clicks (around 30%, mainly cos once the visitor is done with reading the scraped article, he clicks away through the ads).
Given that mortgage is difficult to rank in SERPs for, you can dig out related search phrases (even distantly related) and run a ppc ad with low bids to get traffic. Having said this, I must warn you it is a dangerous game and you can lose your shirt if you aren't careful.
The next best way is to submit articles.
While you are doing these to pull in short term traffic, focus on SEO and link building for moving up the ranks on the SERPs.
Hope this helps.
Swami