So, if you were gonna 'buy' a falling knife (oops, I mean a house) with debt, what would you do? Mortgage broker? Bank? e-Loan? LendingTree? Pray?

One day, even HP'ers, bitter renters, bubble sitters and screwed homedebtors will "buy" another house.

The lucky ones will pay cash. The rest will need to take out a mortgage.

So, let's start talking about that day. It will come.

How will you go about getting the best rate on a mortgage, in a post-housing-crash world?

Now that we know mortgage brokers are crooks interested in earning the highest commission they can, while getting you to overpay for a loan, that one is a bit suspect.

LendingTree I hear earns their money by selling your info to lenders. Just another company who could care less about you.

Bankrate earns their money from ads from lenders.

And your local bank overcharges, Countrywide is toxic, DiTech is GMAC, and this whole mortgage business is just a mess.

So, what to do, when the day comes that you want to reach out and catch a knife?