If they don't have what you need, cross them off the list. In the case of artificial lighting, you can always install recessed lighting, or track lighting to achieve more illumination in a room during the parts of the year when natural light is at a minimum. It is recommended that you get pre-approval for a certain amount of money before you even begin shopping for a new house.
Many online companies also could do some great work in bad credit financing. Each lender has its own definition of what constitutes a subprime borrower. You have looked at your credit report and know why you are being denied.