973-418-6375

Financing · Northern New Jersey

Build now. Pay over time.

Omar Construction partners with two home improvement lenders so homeowners across Bergen, Passaic, Morris, Essex, Hudson and Sussex Counties can move forward with custom homes, additions and remodels without putting the project on hold.

Get pre-qualifiedSee our lenders

Two lenders · One easy process

Choose the financing that fits your project.

Whether you are planning a first bathroom remodel or a full custom home, we work with two lending partners so there is a path that works for you.

Best for larger projects

Figure

Figure HELOC

A home equity line of credit for major renovations, custom builds and full home additions, with rates typically lower than personal loans and faster approvals than a traditional 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 professional)
Ask about Figure

Best for remodels & repairs

GreenSky

GreenSky Home Loans

Fast, simple home improvement loans backed by Goldman Sachs, built for kitchen remodels, bathroom renovations 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 can start work right away
Ask about GreenSky

Rates, terms and approval are set by the lender and depend on your credit and home. We are not a lender.

A three-step process

From application to first day on site.

No paperwork sitting on a desk for weeks. The process is digital, simple and built around your project timeline.

  1. Step one

    Apply with us.

    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.

  2. Step two

    Get approved.

    Decisions in as little as five minutes. Review your offer, including rate, term and monthly payment, with full transparency.

  3. Step three

    Get funded.

    Funds available in as few as five business days. We schedule your project the moment financing clears.

What you can finance

Every project we build, fully fundable.

From the foundation up or a single room, our financing partners cover the kinds of work we do across North Jersey.

  • Custom home builds

    Ground-up new construction with end-to-end project management, from foundation to final walkthrough.

  • Home additions

    Second-story additions, in-law suites, primary bedroom expansions and family room extensions.

  • Kitchen remodels

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

  • Bathroom remodels

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

  • Roofing & siding

    Full roof replacements, premium shingle and metal systems, fiber-cement siding and storm-damage rebuilds.

  • Windows & doors

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

  • Whole-home renovations

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

  • Decks, patios & more

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

Available across Northern New Jersey

Financing for projects in six counties.

Wherever your home is in the area we serve, our financing partners can help fund the project.

  • 01Bergen County
  • 02Passaic County
  • 03Morris County
  • 04Essex County
  • 05Hudson County
  • 06Sussex County

Common questions

Everything you would want to ask first.

Will applying affect my credit score?

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

How fast can I actually get funded?

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 is no gap between funding and groundbreaking.

What credit score do I need to qualify?

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.

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 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 do not want to use home equity.

Are there any fees to use financing through Omar Construction?

No. We do not charge any fees for offering financing. It is 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.

Can I finance a new custom home build, not just a remodel?

Yes. Figure HELOC funds projects up to $400,000, which covers most major additions and many builds 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.

Is the interest tax-deductible?

Interest on a HELOC may be tax-deductible when funds are used for substantial home improvements that add value to your home. We strongly recommend consulting a tax professional about your specific situation.

Are there prepayment penalties if I want to pay it off early?

No. Both Figure and GreenSky have no prepayment penalties, so you are 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 point you to the right financing option before you ever break ground.

Call 973-418-6375Contact us to get started

NJ #13VH09340700 · Licensed & insured · Est. 1990