Please help - Looking for creative financing options

[Christina West]

My family of 4 has outgrown our home. We currently own our home in NJ with impeccable payment history. However, our credit is less then stellar and we are finding it difficult to get approved for a mortgage. Our income and debt to income ratio is good and we have about 5% down. The only problem holding us back is our credit score. Is there anyone anywhere willing to lend up to $450,000 for a home in New Jersey?? Please help!