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MyTerms Mortgage: Your Best Home Loan Option?

You know where your future is headed, and we'll work with you to ensure your mortgage fits your needs. You get to choose your own term at a fixed mortgage rate that works for you. Whether you're looking to meet a financial goal or pay off your mortgage quickly, MyTerms can be customized to your situation.

Scroll down to learn more about MyTerms or talk to an expert, utilize our easy loan wizard to explore rates and payments or get approved now.

The Nuts And Bolts

The Nuts And Bolts

  • Your interest rate and monthly payment won't change over the life of the loan.
  • You can purchase a new home with as little as 3% down.
  • You can refinance up to 95% of your primary home's value.
  • Cash out refinance is permitted.
  • You may get a fixed-rate mortgage for up to $548,250. Have larger needs? Check out our super-conforming and jumbo mortgage options.
  • Credit a consideration? No problem – credit scores as low as 620 may qualify.
  • Sellers can help too! Up to 9% of seller contributions are allowed toward closing costs.
More Details And Specifics

More Details And Specifics

  • MyTerms Mortgages can be used to purchase or refinance a primary residence, second home or investment property.
  • Eligible properties include Single Family Residences, Planned Unit Developments (PUDs), Condos and Multi-Family (2-4) Units.
A Few Extras

A Few Extras

  • You have multiple mortgage insurance options for loans with less than 20% down payment or equity.
  • Want to tie things up quickly? Pay off your mortgage at any time without prepayment penalties.
M&T Bank’s MyTerms Mortgage: A Flexible Mortgage Option | M&T Bank