Question: We have a child who has a disability and we need a bigger home, but because of credit problems we can't find a lender who will help us. What can we do? Answer: If your child has special needs you may be able to find charitable groups that can put you in touch with a friendly lender. There are also groups that generally help with housing such as Habitat for Humanity and Rebuilding Together. In addition, you can check with local government agencies to see if they can help with improvements ... such as ramps and other items.