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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
Your Local CrossCountry Mortgage Loan Officer
Drew Tobin
- Originating Branch Manager
- Middletown, NY Mortgage Loan Officer
- NMLS # 589986
Upgrading homes with renovation loans
Hello! I’m Drew, and I help homeowners turn the home they have into the home they’ve always wanted. As a Originating Branch Manager at the Middletown, NY branch of America’s #1 Retail Mortgage Lender, I specialize in renovation loans designed to bring your vision to life — whether you’re customizing your current space or giving a fixer-upper new life.
Renovating a home can feel like a big undertaking, but I’m here to make it manageable with clear communication and step-by-step support. From your initial application to funding and final inspection, I’ll guide you through every stage to help keep your project on track.
I offer a range of flexible loan programs — including VA, USDA, FHA 203(k), HomeStyle® and CHOICERenovation® — so you can finance both the purchase and improvements in one streamlined loan, or fund upgrades to your current home using its equity.
With a team of experts and a process built around progress, you’ll move through every renovation milestone with confidence.
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How much will your mortgage payment be?
Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Inspiration for your home loan journey
Frequently asked questions
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- Contact your CCM loan officer to find the right renovation loan.
- Complete a loan application with required documentation.
- Choose a reputable contractor and review your project in person.
- Provide the contractor’s estimates and validation documents to verify their qualifications.
- Complete underwriting for review of all your loan documents.
- Close your loan and start your renovation.
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- Cost factors: Costs vary widely based on project scope. You’ll need to understand your renovations and get contractor estimates.
- Budgeting tip: Add a percentage for unexpected costs, including changes later in the project.
- Loan options: CrossCountry Mortgage offers renovation loans from cosmetic upgrades to complete expansions.
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Renovations may be tax-deductible or qualify for a tax credit, but only a professional tax advisor can guide you. Four categories of home renovations may qualify for tax breaks:
- Home office improvements
- Energy-efficient home improvements
- Improvements for medical care
- Rental property maintenance
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While you could use a credit card or personal loan, a home loan will give you a better interest rate and financing to suit your project and your goals. CCM has several loans that combine your purchase or refinance with your renovation costs and provide disbursement management, so your contractor is paid correctly and on time.
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The time for your renovation will depend on the project’s scope. While cosmetic work might take a week, a complete renovation could take a year or more. Loans have different time limits, too, so be sure to discuss this with your CCM loan officer. Experienced contractors and remodelers will tell you to allow extra time (within reason) to keep your stress level down and be prepared for delays.