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About Us

About Tough Gov Loan

Helping Borrowers Succeed When Others Say No

At Tough Gov Loan, we specialize in helping borrowers succeed when their mortgage situation feels complicated, frustrating, or even impossible.

Led by Rob Scolnick, Branch Manager of the White Haven, Pennsylvania branch of New American Funding, our team focuses on solving the kinds of loan scenarios many lenders struggle with.

Whether you’re dealing with credit challenges, unique income documentation, or a government-backed loan program that requires extra expertise, our goal is simple:

Find the path to homeownership when others say no.

Tough Gov Loan proudly serves borrowers throughout:

  • Pennsylvania
  • New Jersey
  • Maryland
  • West Virginia
  • Florida

By combining personalized service with the resources of a nationally recognized lender, we help borrowers turn difficult loan situations into successful closings.

Who We Help

Many of our clients come to us after another lender couldn’t make their loan work.

That’s where our experience makes the difference.

We frequently help borrowers with:

Credit scores that need extra strategy

Self-employment or non-traditional income

Debt-to-income challenges

First-time homebuyer concerns

Government loan programs with strict guidelines

Borrowers previously denied by another lender

Instead of focusing on why a loan cannot be approved, we focus on building a responsible strategy to make it possible.

Every borrower’s story is different, and we take the time to understand yours.

Experience You Can Count On

Led by Mortgage Expert Rob Scolnick

Tough Gov Loan is managed by Rob Scolnick (NMLS #133622), Branch Manager of the New American Funding White Haven, PA branch.

Rob has built his reputation around one core principle:

The tougher the loan, the harder we work to solve it.

With years of mortgage experience and access to a wide range of lending programs, Rob and his team are known for:

  • Creative problem solving
  • Honest guidance
  • Clear communication
  • Strong closing success rates

Clients consistently turn to Rob because he and his team stay engaged throughout the entire mortgage process — from the first consultation all the way to closing day.

How We Operate

Backed by New American Funding

Tough Gov Loan operates with the strength and resources of New American Funding, one of the nation’s leading direct mortgage lenders.

This allows our team to offer a wide range of mortgage solutions, including:

Government Home Loans

  • FHA Loans
  • VA Loans
  • USDA Rural Development Loans

Conventional Financing

  • Fixed-rate mortgages
  • Adjustable-rate mortgages
  • Jumbo loan programs

Refinancing Solutions

  • Rate and term refinancing
  • Cash-out refinance
  • Debt consolidation through home equity

With these options available, we are able to match borrowers with the loan program that best fits their financial situation.

Let’s Talk!

Speak With a Loan Expert Today!

Whether you’re buying your first home, refinancing, or exploring government loan options, our team is here to guide you every step of the way.

Start your journey today and discover how Tough Gov Loan can turn a tough mortgage into a successful closing.