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Interest Rates To Fit Any Budget
Starting At

We offer solutions for nearly every budget. Interest rates may change, but our commitment to good service won't.

Ready to customize your rate? Personalize a rate quote

3 Simple Steps And You're Home

My Rates. My Options. My Payments.

We'll show you personalized mortgage rates, product options, estimated payments and fees. Just provide some basic info and our loan wizard does the rest.

I'm Ready To Apply.

Our online mortgage application, Bolt Mortgage powered by M&T Bank, is available 24/7 and easy to complete on your phone, tablet or computer. Drop in your information and we will safeguard it throughout the process.

And, I'm Pre-Approved. Instantly.

We value your time, which is why we deliver an instant pre-approval before your coffee gets cold.

LET'S GET STARTED

Home Financing Concerns? Learn More.

We've got answers to your mortgage questions. We believe the home loan process should leave you smiling and satisfied – like a backyard barbecue.
Fire up the grill!

Had Enough of Renting? 5 Myths about Qualifying for a Mortgage

Had Enough of Renting?
5 Myths about Qualifying for a Mortgage

You (yes, YOU) can own your own home! Let's dispel the myths about getting a home loan and show you home ownership is not an impossible dream.

Reveal The Truth

Is Refinancing the Right Decision?

Discover five factors you should think about when considering refinancing.

Show Me The Way

Buying a New Home Doesn't Have to be Make-Believe

Buying a New Home Doesn't Have to be Make-Believe

M&T can help turn your home buying fantasies into realities! Shop with confidence with our dream-making pre-approval program.

Transform My Dreams

Find Your Perfect Loan Match

At M&T Bank, helping you find the right loan makes us all tingly inside.
Step 1) Look at your loan options. Step 2) Get excited about your new home.

Break Out the Welcome Mat

In the Market for a New Home…
Like, Now?

Whether you're embarking on the thrilling phase of buying your first house or looking for a new place to call home, we can help.

HOOK ME UP

ARM: Low initial interest rates for those who might move again.
USDA : Seeking a rural backdrop? You might be in luck.
Jumbo : Hey, big spender, we've got you covered.

Put Your Wallet to Work

Need a Low Down Payment...
We're Here for You!

With low down payment loan options, M&T Bank is here to help no matter how strict your budget.

READY TO ROLL

FHA : As little as 3.5% down hooks you up.
VA: Eligible veterans get the benefits they deserve with 0% down.
Conventional : 3% down payment is all you need.

Shake Up Your Situation

Want to Refinance...
And Fatten Up Your Piggy Bank?

How does reducing your monthly payment or paying off your debt altogether sound? M&T Bank can give your mortgage a makeover with lower interest rates.

POWER UP MY WALLET

Fixed Rate : Perfect for consolidating debt or getting cash.
Streamline: Refinance a FHA or VA mortgage in a snap.
MyTerms: Customize refinancing with your own terms.

COMPARE LOAN OPTIONS

Homeowners Love M&T

"I tried to refinance this loan with a large national bank, then with an online lender. Both times, results were promised, and refinance got delayed and snagged…With M&T Bank, I have been nothing short of amazed at how well this refinance went, starting with the speed of each step."

- Gerrit P., Plano, TX.

"M&T Bank saved our Christmas. I cannot begin to explain the amount of value this assistance has impacted my family…There were no hidden fees or costs not identified exactly as explained. Our loan officer predicted each step, kept me informed, and followed up."

- Jeff and Luzerna C., Keizer, OR.

Buying a home just got easier with M&T Bank.