A loan officer working in real estate can offer several types of loans tailored to property financing. Conventional loans are the most common and are not backed by the government, often requiring good credit and a down payment. FHA loans, insured by the Federal Housing Administration, are ideal for first-time buyers with lower credit scores or smaller down payments. VA loans are available to eligible veterans and active military, offering no down payment and favorable terms. USDA loans support rural homebuyers with low to moderate income and often require no down payment. Jumbo loans are used for high-value properties that exceed conventional loan limits. Commercial real estate loans finance income-producing properties like apartment buildings, offices, or retail spaces. Additionally, construction loans fund the building of new homes or property developments and often convert to permanent mortgages upon completion.