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Google Chrome(v0.4.154.23)

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Couple stands with ladder and tools outside of home.


Your home may be your most valuable asset in dealing with unexpected expenses, school payments, home repairs or debt consolidation. Unlock your home’s equity with M&T’s CHOICEquity Account and you can count on competitive rates and outstanding service.

View Rates_



​​​​​​​​​​​Affordable, Flexible & Convenient

  • Enjoy a revolving line of credit
  • Choose to lock in up to 3 fixed-rate loans within your line of credit, and enjoy the dependability of the same rate and payment amount every month
  • Consider an interest-only payment option during your draw period
  • Make payments only on the money you use
  • Manage your account easily anytime, anywhere through M&T Online Banking​​​DIS-221-DIS​
  • Receive convenience checks to draw from your line of credit
  • No application fee
  • No Annual Fees
  • No closing costs. However, if you close the account within 36 months after the date it is opened, you must reimburse us for certain fees we pay to third parties in connection with opening the account. Reimbursement of fees does not apply to accounts secured by properties located in the state of PennsylvaniaDIS-3-DIS

​​Eligible Loan-to-Value Range, Minimum & Maximum Loan Amount

  •  Maximum  Loan-to-value​DIS-154-DIS (LTV)
    • 85.99% for p​rimary residences (certain restrictions apply);
    • 70.99% for manufactured homes
    • 60.99% for vacation properties​DIS-106-DIS​.
  • ​​​Minimum Loan Amount: $15,0​00
  • ​​Maximum Loan Amount: $1,000,000DIS-11-DIS for primary residences/$250,000 for vacation homes

​​Acceptable Collateral

  • 1- to 4-family owner-occupied homes, town homes and condom​​iniums
  • Vacation homes (only available for lines up to $250,000)
  • Deeded manufactured homes (only available for lines up to $100,000)​DIS-161-DIS

​​Term, Interest Rates & Payment Options

  • Line of Credit features a 10-year draw period followed by a 20-year repayment period
  • Convert some or all of your balance to a fixed-rate loan within your CHOICEquity Account
  • Line of Credit features a variable rateDIS-510-DIS
  • CHOICE Loan segment features a fixed rate for the duration of the selected term
  • Variable Line of Credit
    • ​During the draw period, make interest-only payments for the first 10 years, or,
    • ​During the repayment period, make the principal and interest payments
  • Fixed Rate Loan Segment: principal and interest payments at a fixed rate and term
  • For example, borrow $25,000 for as little as $160 per monthDIS-3-DIS. Terms and conditions apply.








FAQs - Home Equity

  • What is equity?
  • ​Equity is the difference between the current value of your home (known as the fair market value) and any remaining mortgage or loan balance.

    Equity = Your home's value - Remaining mortgage balance(s)

  • How much can I borrow?
  • For the M&T CHOICEquity Account​, the maximum loan to value for a primary residence is 85.99% for lines up to $500,000, and 60.99% for lines greater than $500,000, up to $1,000,000. The maximum loan to value for vacation homes is 60.99% (up to $250,000).

  • What will my rate be?
  • ​​Your rate will depend on several things, including your credit standing, the line amount you are requesting, the loan-to-value ratio and other requirements. To see our rates, visit the Loan Rate Finder.

  • What property types are eligible for M&T CHOICEquity?
  • ​Single family primary residences, vacation homes, manufactured homes, condos and townhomes. If you're not sure that your residence meets these definitions, call us at 1-800-724-3222​ or visit a branch​ to discuss.​

  • Where will the closing take place for my M&T CHOICEquity Account?
  • ​​After you have been approved for the CHOICEquity Account, your closing will be scheduled at the convenient bank branch​ of your choice. 

    During the closing, you will sign all of the necessary documents. You may also be required to provide items for documentation, such as proper identification and your updated Homeowners Insurance Policy.​