Competing even harder against the banks and S&Ls who have spent decades and billions of dollars targeting the consumer for their home loan business, many mortgage brokers are discovering that their traditional marketing tools and strategies are ineffective in today's market. Some have resorted to advertising and marketing strategies like occasional newspaper and radio ads, letters, telemarketing and even handing out flyers in apartment complexes. But to tap the consumer market, while improving contacts with real estate professionals, perhaps no tool has proved more effective than the newsletter.