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In that type of scenario, you could help accrue a down-payment while improving your credit rating at the same time. Payoff your car loan early and save money in at lotpro, we designed our online car financing system to be quick and. Though the best mortgage rates were in the 4 percent and 5 percent range at the time, they ended up with a mortgage slightly above the 7 percent mark. You can always apply for a car loan, but after bankruptcy, it may be difficult. Your chances may be better with a local lender than with a broker who sends you a postcard with an 800 number, says Blakeslee.

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Tacoma, Wash.-based Tanya Peila and her husband Justin filed for bankruptcy in 2003 and lost their home in the process. But in January, the FHA tightened its rules and announced that those with scores below 580 would need a minimum 10 percent down payment. Well, the short answer is yes, but there's a lot more to it.

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