At Oz Lending, unlike with government loans like FHA our Conventional loans offer you the most flexibility for getting approved on almost any property type. In addition, if you can put +20% down you can eliminate mortgage interest (PMI) on your loan saving you money over the life of the loan. With down payment options starting at only 5% down you can rest easy knowing that our Oz Wizards will find a conventional loan that’s right for you and your family.