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Buying A New Home Starts With The Right Mortgage

Chances are you're not a gazillionnaire ready to drop a lot of cash on the home of your dreams. But that's no reason you can't have a cool place of your own. M&T Bank offers a variety of mortgage options, and we're here to work with you to secure the best home loan for your budget.

We're all about transparency, which means we're here to answer any and all questions you may have about the home loan process. Our reputation for reliability, accessibility and exemplary responsive service is what has helped us build relationships with hundreds of thousands of homeowners nationwide. We're only successful if you are successful. So, get a bigger keychain, grab some boxes, call your friends and start packing.

We're Listening

Before you even start the mortgage approval process, we'll work hard to learn all about your current financial situation and your short-term and long-term goals. At M&T Bank, our loan experts take pride in doing their homework, taking the time to get to know you and customizing a home ownership plan just for you.

Leave No Option Behind

Now that we know you and your needs inside and out, we'll clearly explain the mortgage solutions available to you – (and even some perks that you may qualify for). Finally, we'll work with you to pick the solution that suits your financial goals. With so many home loan options available, you'll be glad we're in your corner.

Get Your Documents In Order

We know, we know – paperwork is no fun, but getting the right paperwork is essential to making your home loan a reality. Don't worry; we'll carefully go over all the documentation needed from you, such as W-2s and pay stubs. Unlike many lenders who offer subject-to-change pre-qualifications, we thoroughly examine your paperwork so your home loan pre-approval is more than just a piece of paper.

Pre-Approved In A Snap

Now you can shop with confidence. Pre-approval not only makes home buying less of a mystery (because the guesswork has been eliminated), but the seller will probably be pretty happy knowing an M&T pre-approved buyer is knocking on the door. Connect us to your real estate agent right away so we can work together to move things along.

Let's Make Sure Your Home Is Up To Snuff

You've shopped, you've found a great property, you've submitted an offer and the offer has been accepted. Time to celebrate – almost. In order to ensure the place is all you hope it will be, M&T Bank will request an appraisal. An appraisal is important to ensure you're not paying more than the property is worth. That's right: more peace of mind.

You're Just A Few Signatures Away!

With the appraisal completed, our mortgage experts go to work finalizing your loan. M&T Bank will prepare all the necessary loan forms and deliver them to a nearby escrow officer or attorney. Too busy planning a housewarming party? No problem. We can also make arrangements for a mobile notary to come to you.

M&T's Got Your Back!

You're done! But we're not. We may not be able to help you move, but our experts will continue to be here for you. Whether it's a remodeling project down the road or a bigger home (someday) for your growing family, you're now part of the M&T Bank family and we'll continue 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

"My M&T loan officer was able to obtain a satisfactory loan for me when other companies wouldn't even try."

- Myrna D., Applegate, OR.
Getting a Mortgage; Buying a New Home | M&T Bank