When you say serious credit concerns with your current mortgage, do you mean you have been late? The lenders like to see a year without being late. However, many times they will take into consideration the situation. We have a great local lender that can certainly advise you and will take the time to help you clear up any issues you may have on your credit. Feel free to give me a call or email me and we would be happy to provide you with the lender information.