Property loan programs offer diverse financing options to help you purchase, refinance, or improve real estate. Conventional loans from banks require good credit and a significant down payment. FHA loans, insured by the Federal Housing Administration, cater to lower-income borrowers with lower down payments. VA loans, backed by the Department of Veterans Affairs, provide favorable terms for veterans and active-duty military personnel. USDA loans target rural property buyers with low-to-moderate incomes, offering zero down payment options. Additionally, there are hard money loans for quick, short-term funding, and portfolio loans for investors who may not qualify for traditional loans. Each program has unique benefits, making it essential to choose the one that best fits your financial situation and real estate goals.