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Which Home Loan Is Right For You?

Whether you're a first time home buyer, checking out a "For Sale by Owner" in your neighborhood or looking to shake things up with your current mortgage, M&T Bank can help. Below, we've outlined 10 loan types offered by M&T Bank, along with some of their benefits, to help guide you to your mortgage match.

Scroll down to learn about your options or talk to an expert, utilize our easy loan wizard to explore products, rates and payments, or get pre-approved now.

Features and Benefits Minimum Down Payment Minimum Credit Score Maximum Loan Amount* Interest Rate More Flexible Qualification Personalize a Rate and Payment Quote
ARM
ARM

Not sure your new home is forever? An adjustable rate mortgage (ARM) could be calling your name.

5%

620

$453,100

Adjustable

GET STARTED
Fixed-Rate
Fixed-Rate

Really looking to settle down for a substantial period of time in one home? With as little as 3% down, a fixed-rate mortgage gives you the power to plan.

3%

620

$453,100

Fixed

GET STARTED
MyTerms
MyTerms

M&T Bank's MyTerms mortgage gives you all the perks of a fixed-rate mortgage with the flexibility of selecting your term.

3%

620

$453,100

Fixed

GET STARTED
FHA
FHA

A FHA Loan allows purchasers with credit scores as low as 580 to put down as little as 3.5% on a primary home.

3.50%

580

Per County Limit

Fixed or Adjustable

GET STARTED
VA
VA

A VA home loan offers up to 100% financing options, no income limits and flexible credit requirements.

0%

620

$679,650

Fixed or Adjustable

GET STARTED
USDA
USDA

Does fresh air, open spaces and 100% financing sound appealing?

0%

640

$453,100

Fixed

GET STARTED
Super-Conforming
Super-Conforming

Got an eye on a little more expensive neighborhood? A super-conforming loan may be the ticket.

5%

620

$679,650

Fixed or Adjustable

GET STARTED
Jumbo
Jumbo

Looking for a heftier-than-usual loan? Instead of multiple mortgages, a jumbo loan may be a fit.

10%

680

$2,000,000

Fixed or Adjustable

GET STARTED
FHA Streamline Refinance
FHA Streamline Refinance

Fine tune the terms or interest rate of your mortgage, and get back on track. With reduced documentation, the FHA Streamline Refinance can help.

0%

No Minimum

Per County Limit

Fixed or Adjustable

GET STARTED
VA Interest Rate Reduction
VA Interest Rate Reduction

If you have a VA home loan, here's a streamlined option to lower your interest rate.

0%

620

$679,650

Fixed or Adjustable

GET STARTED
 ARM ARM

Not sure your new home is forever? An adjustable rate mortgage (ARM) could be calling your name.

Features and Benefits

Minimum Down Payment

5%

Minimum Credit Score

620

Maximum Loan Amount*

$453,100

Interest Rate

Adjustable

More Flexible Qualification

Personalize a Rate and Payment Quote

GET STARTED
Fixed-Rate Fixed-Rate

Really looking to settle down for a substantial period of time in one home? With as little as 3% down, a fixed-rate mortgage gives you the power to plan.

Features and Benefits

Minimum Down Payment

3%

Minimum Credit Score

620

Maximum Loan Amount

$453,100

Interest Rate

Fixed

More Flexible Qualification

Personalize a Rate and Payment Quote

GET STARTED
MyTerms MyTerms

M&T Bank's MyTerms mortgage gives you all the perks of a fixed-rate mortgage with the flexibility of selecting your terms from 10 to 30 years.

Features and Benefits

Minimum Down Payment

3%

Minimum Credit Score

620

Maximum Loan Amount

$453,100

Interest Rate

Fixed

More Flexible Qualification

Personalize a Rate and Payment Quote

GET STARTED
FHA FHA

A FHA Loan allows purchasers with credit scores as low as 580 to put down as little as 3.5% on a primary home.

Features and Benefits

Minimum Down Payment

3.50%

Minimum Credit Score

580

Maximum Loan Amount

Per County Limit

Interest Rate

Fixed or Adjustable

More Flexible Qualification

Personalize a Rate and Payment Quote

GET STARTED
VA VA

A VA home loan offers up to 100% financing options, no income limits and flexible credit requirements.

Features and Benefits

Minimum Down Payment

0%

Minimum Credit Score

620

Maximum Loan Amount

$1,500,000

Interest Rate

Fixed

More Flexible Qualification

Personalize a Rate and Payment Quote

GET STARTED
USDA USDA

Does fresh air, open spaces and 100% financing sound appealing?

Features and Benefits

Minimum Down Payment

0%

Minimum Credit Score

640

Maximum Loan Amount*

$453,100

Interest Rate

Fixed

More Flexible Qualification

Personalize a Rate and Payment Quote

GET STARTED
Super-Conforming Super-Conforming

Got an eye on a little more expensive neighborhood? A super-conforming loan may be the ticket.

Features and Benefits

Minimum Down Payment

5%

Minimum Credit Score

620

Maximum Loan Amount*

$679,650

Interest Rate

Fixed or Adjustable

More Flexible Qualification

Personalize a Rate and Payment Quote

GET STARTED
Jumbo Jumbo

Looking for a heftier-than-usual loan? Instead of multiple mortgages, a jumbo loan may be a fit.

Features and Benefits

Minimum Down Payment

10%

Minimum Credit Score

680

Maximum Loan Amount*

$2,000,000

Interest Rate

Fixed or Adjustable

More Flexible Qualification

Personalize a Rate and Payment Quote

GET STARTED
FHA Streamline Refinance FHA Streamline Refinance

Fine tune the terms or interest rate of your mortgage, and get back on track. With reduced documentation, the FHA Streamline Refinance can help.

Features and Benefits

Minimum Down Payment

0%

Minimum Credit Score

No Minimum

Maximum Loan Amount*

Per County Limit

Interest Rate

Fixed or Adjustable

More Flexible Qualification

Personalize a Rate and Payment Quote

GET STARTED
VA Interest Rate Reduction VA Interest Rate Reduction

If you have a VA home loan, here's a streamlined option to lower your interest rate.

Features and Benefits

Minimum Down Payment

0%

Minimum Credit Score

620

Maximum Loan Amount*

$679,650

Interest Rate

Fixed or Adjustable

More Flexible Qualification

Personalize a Rate and Payment Quote

GET STARTED

*Maximum loan amounts featured above assume a single family residence. Maximum loan amounts for multi-family (2-4) units are higher.

Some loan programs may require mortgage insurance. M&T Bank offers a wide variety of mortgage insurance options including lender paid, financed, single premium or monthly. There's even a way for the seller to pay for your upfront or single premium mortgage insurance. We've got you covered!

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Homeowners Just Love
M&T Bank

"I spoke with many lending institutions but chose M&T because of my fruitful conversations with my loan officer. I felt very comfortable with him. He was very attentive to questions and did a very good job at keeping me informed to where we were in the loan process."

- Keenan B., Canby, OR.