How fast can I get funded?

Approval decisions can come back in as little as five minutes. Funds are typically available in five business days for Figure HELOC, and within a few days for GreenSky.

What is the difference between Figure HELOC and GreenSky?

Figure HELOC is a home equity line of credit best for larger projects $50K and up, with lower rates because the loan is secured by home equity. GreenSky is an unsecured home improvement loan best for mid-sized projects, with no collateral required.

Are there any fees to use financing through Omar Construction?

No. Omar Construction does not charge any fees for offering financing. Standard lender fees like origination charges or closing costs may apply depending on the loan product, and are always disclosed up front.

Are there prepayment penalties?

No. Both Figure and GreenSky have zero prepayment penalties. You can pay your loan off at any time without additional fees.

Financing · Northern New Jersey

Build now. Pay over time.

Omar Construction partners with two of the country's most trusted home improvement lenders so homeowners across BERGEN, PASSAIC, ESSEX, HUDSON & SUSSEX COUNTIES can move forward with custom homes, additions, and remodels — without putting projects on hold.

Get Pre-Qualified → See Our Lenders ↓

Easy Apply

Soft credit pull, no impact to your score. Apply in minutes from your phone.

Approved in Under 5 Minutes

Qualified clients get instant decisions. No paperwork, no waiting on a bank.

Funded Fast

Funds available in as few as 5 business days so your project starts on schedule.

Two Trusted Lenders · One Easy Process

Choose the financing that fits your project.

We work with two industry-leading partners so every homeowner — from a first-time bathroom remodeler to a full custom-home client — has a financing path that actually works for them.

Best for Larger Projects FIGURE

Figure HELOC

A home equity line of credit built for major renovations, custom builds, and full home additions — with rates lower than personal loans and approvals faster than any bank.

$400K Borrow Up To

5 min Approval Time

5 days Funding Timeline

1.5% Closing Costs From

Fixed-rate financing with no surprise payments
Redraw up to 100% as you complete future projects
5, 10, 15, or 30-year terms with no prepayment penalties
Interest may be tax-deductible (consult your tax pro)

Apply With Figure

Best for Remodels & Repairs GreenSky

GreenSky Home Loans

Fast, simple home improvement loans backed by Goldman Sachs — purpose-built for kitchen remodels, bathroom renovations, roofing, windows, and mid-size projects.

$65K Borrow Up To

5 min Approval Time

$0 Down Payment

100% Project Funded

Promotional plans with deferred-interest options
Apply in minutes from any phone or computer
No collateral required, no home equity needed
Funds disbursed directly so we start work right away

Apply With GreenSky

A Three-Step Process

From application to first day on site.

No paperwork sitting on a desk for weeks. No bank loan officers. The entire process is digital, simple, and built around your project timeline — not someone else's calendar.

Step One

Your clients easily apply.

Fill out a short pre-qualification form with us. We'll match you to the right lender based on your project and budget. Soft credit pull only — no impact to your score.

Step Two

Qualified clients get approved.

Decisions in as little as five minutes. Review your offer — rate, term, monthly payment — with full transparency. No hidden fees, no surprises.

Step Three

You get funded fast.

Funds available in as few as five business days. We schedule your project the moment financing clears — no delays between approval and groundbreaking.

What You Can Finance

Every project we build, fully fundable.

Whether you're building from the foundation up or just refreshing a single room, our financing partners cover every type of work we do across Northern New Jersey.

Custom Home Builds

Ground-up new construction with end-to-end project management. Finance the build of your dream home from foundation to final walkthrough.

$150K – $400K+

Home Additions

Second-story additions, in-law suites, primary bedroom expansions, and family room extensions across all five Northern NJ counties.

$80K – $250K

Kitchen Remodels

Custom cabinetry, quartz and stone countertops, professional appliance suites, and full layout reconfigurations.

$40K – $120K

Bathroom Remodels

Master bath suites, walk-in showers, soaking tubs, heated floors, and full-spec finishes from tile to fixtures.

$25K – $80K

Roofing & Siding

Full roof replacements, premium shingle and metal systems, James Hardie and AZEK siding, and storm-damage rebuilds.

$15K – $60K

Windows & Doors

Energy-efficient window replacement, custom front entries, sliding patio systems, and historic-match replacements.

$10K – $50K

Whole-Home Renovations

Full-gut renovations, century-home restorations, open-concept conversions, and major structural reworks.

$100K – $400K+

Decks, Patios & More

Composite decks, hardscape patios, outdoor kitchens, paver driveways, and stone masonry work.

$8K – $40K

Available Across Northern New Jersey

Financing for projects in five counties.

Whether your home is in a Bergen County estate town, a Passaic County family neighborhood, or anywhere in between — our financing partners fund projects in every community we serve.

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Common Questions

Everything you'd want to ask first.

Real answers to the questions our Bergen and Passaic County clients ask before applying.

No. The pre-qualification process uses a soft credit pull only, which has zero impact on your credit score. A hard credit check is only run if you choose to formally accept and submit your application — and you'll be notified before that happens.

Approval decisions can come back in as little as five minutes. Once approved, funds are typically available in five business days for Figure HELOC, and within a few days for GreenSky. We coordinate the financing schedule with the project schedule so there's no gap between funding and groundbreaking.

Figure HELOC requires a minimum 640 FICO score. GreenSky has more flexible requirements depending on the loan plan. Final approval depends on additional factors including income, home equity, and debt-to-income ratio — but we can help you understand which option fits your profile best.

Figure HELOC is a home equity line of credit — best for larger projects ($50K and up), with lower rates because the loan is secured by your home equity. You can borrow up to $400,000 and redraw funds for future projects. GreenSky is an unsecured home improvement loan — best for mid-sized projects, with no collateral required and faster approvals for clients who don't want to use home equity.

No. We don't charge any fees for offering financing — it's a service we provide so our clients have flexibility. Standard lender fees like origination charges (Figure: starting at 1.5%) or closing costs may apply depending on the loan product, and these are always disclosed up front before you accept any offer.

Yes. Figure HELOC funds projects up to $400,000, which covers most major builds and large additions in our service area. For ground-up new construction over that amount, we work with you to structure financing — often using a HELOC for a portion of the build combined with traditional construction financing.

Interest on a HELOC may be tax-deductible when funds are used for substantial home improvements that add value to your home — which our projects almost always do. We strongly recommend consulting a tax professional for your specific situation, but for most homeowners renovating their primary residence, this is a real benefit.

No. Both Figure and GreenSky have zero prepayment penalties — you're free to pay your loan off at any time without additional fees.

Ready When You Are

Let's get your project funded.

Tell us about your build, addition, or remodel — and we'll match you to the right financing partner before you ever break ground. No pressure, no obligation, no impact to your credit.

Click Contact Us above to send us a message about your project — we'll respond within one business day with the right financing options for your home, your budget, and your timeline.