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M&T Bank's Mortgage Products Can Make Your Dream Home Real

We're homeowners too, and we understand the warm, fuzzy feeling that comes with owning a new house. That's why we're in your corner to make buying a new house more fun and less "forgetaboutit". We're all about transparency and reliability, and we'll work diligently to make sure you get the ideal mortgage for the property type that meets your needs.

What are you in the market for? An upgrade from your current digs? A bigger palace? Less space? An investment property? A vacation getaway? Whatever your housing goal, M&T Bank is your ally in the home purchasing process. We're here to help you save time and money while keeping hassle to a minimum.

There are many properties to consider – and many types of home loans to think about when purchasing a new home. Below, we've outlined a few property types and mortgage solutions to ponder. Look them over and feel free to daydream. You can also talk to an expert, utilize our easy loan wizard to explore products, rates and payments or get pre-approved now.

Own Your Own Retreat

Rugged mountains, sandy beaches or bustling urban life: no matter the type of getaway you crave, buying a vacation home in the middle of it all gives you the chance to escape real life once in a while – and build up some equity! For many people, buying a second home may also mean additional tax deductions (remember to consult your tax adviser).

Put Some Property In Your Portfolio

Yes, an investment home typically requires up-front capital from you – but it may be money well spent. Because investment properties may appreciate in value, the funds you use to buy an investment home now will be hard at work for your future. And, renting the property could mean income that might offset your mortgage payment or even help you pay off your mortgage balance faster. Also, an investment home may offer tax deductions (don't forget to consult your tax adviser).

Multi-Family Living: Instant Community

Multi-family homes offer an opportunity for homeowners to make extra income courtesy of their shared tenants. Just like an investment property, rental income can be used to offset a mortgage payment or even pay off a home mortgage balance faster. A multi-family home contains separate, fully-functioning residences in one place. So, if you crave even more time with your in-laws, you have an option. Each residence has a separate entrance, ensuring privacy. Duplexes – a house divided into two units – are a common example.

M&T Makes A Difference

Seven Straightforward Steps
To Loan Approval

At M&T Bank, we're homeowners too. We understand it can be a little confusing. We know applying for a loan is the beginning of a big journey – and we will be right by your side every step of the way.

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5 Mortgage Myths Debunked

Don't be intimidated. We know it's a huge decision to put down roots. At M&T Bank, we're here to help make the home-buying process smooth. Let's start by dispelling five myths you may have heard about qualifying for a mortgage.

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Homeowners Just Love
M&T Bank

"We were impressed with our M&T Bank loan officer's courtesy, helpfulness and knowledge. We started a loan process with another lender, but it was slow, and we weren't getting questions and concerns met. Our M&T loan officer was empowered to make decisions that kept the process moving forward at a good pace."

- James & Jeri S., Ione, WA.