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Seven Straightforward Steps To Loan Approval

At M&T Bank, we're homeowners too. We understand it can be a little stressful. 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.

If you find yourself dreading the home loan approval process, get ready to be astonished. Our home loan process is simple, easy and efficient. Our mortgage experts are here to go over your options and guide you through the entire process.

Options? We've Got Them

We get it. You're busy. Long hours at work, taking care of a family and trying to have some fun in between. Your time is precious, so we won't waste it. That's why we focus on understanding your goals. We ditch traditional lender-speak and clearly lay out all the options to consider.

Pick Your Loan Preference

We want to make sure you have no regrets, and we want to keep you on budget. Now that we've identified your plans and needs, we'll put our expertise to work and recommend the best product for you.

Show Us The Paperwork

You've made your choice, now we'll just need some paperwork – you know, W-2s, pay stubs, etc. to keep this thing moving along. The sooner you get us your paperwork, the sooner we can get you closer to approval.

Shop For Your New Home With Confidence

It's common for lenders to offer a "pre-qualification" based on a simple phone conversation or a quick review of a submitted application. But M&T takes it a step further by completing a full underwriting review of your application and documentation. Once complete, you'll have more than a piece of paper or a verbal thumbs-up. You'll have the peace of mind and confidence knowing your financing is secure. You'll be every real estate agent's dream so make sure you connect us with yours as soon as possible. By working with everyone involved, we can help fast track the home buying process.

Secure Your Place With An Appraisal

Congrats – you found your home and your offer was accepted! The heavy lifting is done. Now it's time to take care of those final steps. We'll order an appraisal to ensure your investment is sound and there aren't any issues with your new home. A quick underwriting review of the appraisal and you'll be ready to close.

Sign, Close, And Call The Movers!

Our professional operations team will finalize the mortgage approval process by prepping your home loan documents for review and delivering them to the escrow officer or attorney for signing. Too busy shopping for furniture, and want us to come to you? No problem! We can even make arrangements for a mobile representative to meet you.

Need Future Help? We're Always Here

You're done! But we're not. Although we can't help you move, our experts are here for all the changes life brings you. Whether it's a remodeling project down the road or a new home for your growing family, you're now part of the M&T Bank family and we'll be with you every step of the way!

Talk to an expert, utilize our easy loan wizard to explore products, rates and payments or get pre-approved now.

We're Here For You

Explore Products &
Property Types

We know a one-size-fits-all mortgage doesn't work for every customer. So we take the time to really get to know you and ensure our mortgage recommendations match your budget and needs.

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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

"It was amazing to work with such professionals who were able to assist us when we needed it most. Our loan officer was able to help us where many other lenders said no."

- Michael G., Rialto, CA.
Find the Right Home Loan for Your New First Home | M&T Bank