Whether you're buying a new home or refinancing your current home, you'll have a better mortgage experience with M&T. Simple and fast.
Our step-by-step wizard can help you complete your application in minutes. You can apply when it's convenient for you – 24/7. And if you have a question or need help, our experts are ready to assist.
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
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.
Our online mortgage application 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.
We value your time, which is why we deliver an instant pre-approval before your coffee gets cold.
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!
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.
Discover five factors you should think about when considering refinancing.
M&T can help turn your home buying fantasies into realities! Shop with confidence with our dream-making pre-approval program.
At M&T Bank, helping you find the right loan makes us all tingly inside.
Look at your loan options. Step 2) Get excited about your new
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.
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.
With low down payment loan options, M&T Bank is here to help no matter how
strict your budget.
FHA : As little as 3.5%
down hooks you up.
VA: Eligible veterans get
the benefits they deserve with 0% down.
3% down payment is all you need.
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.
Fixed Rate : Perfect
for consolidating debt or getting cash.
a FHA or VA mortgage
in a snap.
Customize refinancing with your own
"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."
"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."
The information provided assumes the purpose of the loan is to purchase a property, with a loan
amount of $225,000 and an estimated property value of $375,000. The property is located in NY
and is within Erie county. The property is an existing single family home and will be used as a
primary residence. An escrow (impound) account is required. The rate lock period is 60 days and
the assumed credit score is 740.