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Tell Us About Yourself

Tell Us About Yourself

We want to fully understand where you are and what you're after before we make any recommendations.

Easy 24-7 Access

Easy 24/7 Access

It's fast and easy to apply virtually anytime and anywhere - 24/7 - on any device. Plus our step-by-step guide will help you complete your application in minutes.

Get Instantly Pre-Approved

Get Instantly Pre-Approved

Once you’ve selected your perfect loan, you can receive an instant mortgage pre-approval – all with the click of a button.

How It Works

Applying for a mortgage has never been easier.

When you’re ready to buy a home, refinance your home, or get pre-approved, M&T’s Bolt Mortgage puts you in control 24/7.

1. Share Your Info – Create an account, answer a few questions, and share your credit and financial information.

2. Explore Your Options – Customize a mortgage solution based on your specific needs.

3. Get Approved Online – Get pre-approved with a click of a button.

4. Finish The Details – Automatically retrieve and upload documents, and sign electronically. If you’re buying a home, you can finalize your offer with certainty that closing is just a step away.

5. Close Your Loan – It’s time to close your loan and begin enjoying your new home.

And should you need help or have a question during your application, our mortgage lending experts are just a click or a call away. We can’t wait to put a smile on your face.

Homeowners Just Love M&T Bank

"We chose our M&T mortgage consultant due to her professionalism and would refer friends to her in a heartbeat! She answered all our questions and was very patient with us, as we had some unconventional work hours. We had specific needs, and she was patient and kept us informed of current rates so we could strike when it was best for us."

- Leslie & Danette P.

"[We] shopped around, and what can I say, this was the best banking experience we have ever had, and it was a mortgage refinance: lowest rate and fees! Thanks again. Our M&T mortgage consultant was great and always responded promptly with great information—truly a pleasure to work with. We have forwarded her info to a few friends in the market for a new loan."

- David & Shannon D.