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FHA Home Loans for Credit Scores 500+
Check your eligibility today with no impact to your credit score
Getting approved for a mortgage may be easier than you think.
Even if another lender said no, our team may be able to help you move forward.
Getting approved for a mortgage may be easier than you think.
- Low or no down payment
- Down payment assistance available
- $1,000 credit if your loan is approved
Serving borrowers in all 50 states.
See If You Qualify for an FHA Loan
Takes less than 60 seconds. No obligation.
(All fields are required)
Even if another lender said no, our team may be able to help you move forward
Borrowers We Help Every Day
Many of our clients come to us after another lender couldnβt make their loan work.
Our team regularly helps borrowers who have:
- Credit scores starting at 500+
- Previous credit challenges
- High debt-to-income ratios
- Self-employment income
- Past bankruptcies or financial setbacks
Instead of focusing on why a loan cannot work, we focus on how to make it happen responsibly.
Why FHA Loans Are Ideal for Lower Credit Scores
FHA loans were created specifically to help more Americans achieve homeownership.
Benefits may include:
- Credit scores as low as 500+
- Low or no down payment available
- Flexible income and employment guidelines
- Options for first-time homebuyers
- Down payment assistance available up to $60,000
- Competitive interest rates
Every borrower situation is unique, and our team works with you to determine the best path forward.
How the Process Works
Step 1: Quick Eligibility Check
Complete the short form and our team will review your situation.
Step 2: Speak With a Loan Specialist
A licensed mortgage expert from Tough Gov Loan will contact you to discuss options and answer questions.
Step 3: Get Pre-Qualified
If you qualify, weβll guide you through the next steps toward purchasing or refinancing your home, including down payment assistance options.
Meet the Team Behind Tough Gov Loan
Tough Gov Loan is managed by Rob Scolnick, Branch Manager of the New American Funding White Haven, PA branch.
Rob and his team specialize in helping borrowers navigate complex loan scenarios and government-backed mortgage programs.
Instead of walking away from difficult loan files, the team works to find solutions that help borrowers move forward.
Backed by the strength of New American Funding, one of the nationβs leading direct mortgage lenders, Tough Gov Loan offers both national resources and personalized local service.
You wonβt find a better mortgage broker!!!
I reached out to multiple mortgage brokers before I found Rob. My wife & I had a unique situation and most brokers seemed like they just didnβt want to bother with usβ some flat out turned us away and others put so little effort in that we quickly moved on ourselves. From our very first phone call, Rob was completely different. It was refreshing to speak with someone so knowledgeable and direct in his communication. After that first call, we knew 100% that he would be our mortgage broker. Buying a home can be stressful, but Rob somehow had the ability to instill a sense of calm throughout the processβ he really knows his stuff! It took us 5 years and multiple homes before we found the house for us and not once did we consider anyone else. Even though Rob (and his amazing team) spent so much time working with us, we never felt pressured to close on a dealβ on the contrary, he encouraged us to be certain that we were making the right move for our familyβ even when that potentially meant more work for him. As I stated earlier, we had a unique situation and, consequently, there were many obstacles which Rob handled with ease. Once we decided on a house, it was like Rob made it his *personal* mission to get us to the closing table, and he did just that! Weβre thrilled with our home purchase and plan to stay here long term, but should we need any mortgage services in the future, I know exactly who weβre calling!
Thank you so much, Rob, Alexis, and everyone on the team who had a hand in making one of our dreams a reality!
Rob and his team were amazing! We were in a unusual and difficult situation with a tight time frame to close. After being turned down by 3 different lenders for a mortgage, I found Rob through a Google search. They kept in touch almost daily and answered all my questions. They made the process easy and pain free. He assured me we could meet the timeline to close and he delivered as promised. Thank you Rob scolnick for everything you have done for us.
I am beyond pleased with the work Rob and his team have done. My situation was difficult and I tried working with other lenders but they couldnβt make my impossible situation possible. Rob took on the task and made my dream a reality. Even when it got shaky and seemed like it was falling apart with grants not coming through at the last minute, he pulled every string he could to make this work for me. I am forever grateful and appreciative for his hard work and dedication. He is thorough and clear but also kind and funny. Rob I canβt thank you enough! Alexis I thank you, Jessie I thank you. The whole NAF team, I thank you and God Bless you all!!!
Rob and his team were fantastic throughout the whole process. We were in a pinch with a big bank and NAF came through for us without any issue at all. Everyone on the team was kind, caring, and extremely professional. It was easy to get ahold of them though I rarely needed to because they kept me in the loop with daily updates and clear instructions on next steps. I thank Rob and the team for helping us out and making the process so easy!
Rob and his team made my 1st time house buying process easy. Everyone was pleasant and right to the point. No sugar coating. Everything I needed was put up front no hiding fees or information. I would highly recommend them to anyone looking to purchase in the future. They were my save and grace. Thank you guys π
Serving Borrowers in All 50 States
Tough Gov Loan proudly helps borrowers in all 50 states, including:
- Pennsylvania
- New Jersey
- Maryland
- West Virginia
- Florida
Whether youβre purchasing your first home or refinancing an existing mortgage, our team is here to guide you.
See If You Qualify Today
Your credit score doesnβt have to stop you from owning a home.
Complete the short form below to see if you may qualify for an FHA home loan starting around a 500 credit score.
FHA Loan Questions
FHA guidelines are flexible compared to conventional mortgages. Some borrowers with credit scores starting around 550 may qualify depending on other financial factors.
FHA loans may allow down payments as low as 3.5% depending on credit qualifications.
No. FHA loans are designed specifically for borrowers with less-than-perfect credit histories.
Pre-qualification can often happen quickly once your information is reviewed.
Check Your FHA Loan Eligibility Today
Take the first step toward homeownership.
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Complete the short form to see if you qualify.
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Complete the short form to see if you qualify.