1 ) Interesting question as regards to you had good credit and now it's blemished for another lender to consider.
2 )Trading down is not the answer, as for your lender " the bank " there are several questions i would like to ask.
3 ) Your problem appears minor if all your asking for is a bit of space to get your finance's together
Tell you what, send me a private message with your contact # and best time to call, I got free calling in North America.
PS... To answer your question and many options I would be on here all day with my 2 finger typing skills