Make Yourself at home.

Whether you’re refinancing or buying your first home, M&T has you covered.

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Let us get you home.

Buy a new home.

Start your application or get pre-approved.

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Refinance your home.

Lower your monthly payment, unlock equity or pay off faster.

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Hardship Assistance.

Explore your options.

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Manage your mortgage.

View your statements and manage payments.

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Current mortgage rates

Rates differ by location and details of the loan desired. We’re happy to help you get a rate customized to your situation.

Additional options are available. Chart data is for illustrative purposes and is subject to change without notice. Advertised APR is based on a set of loan assumptions including the cost of approximately 2.000 points due at closing. One point is equal to one percent of your loan amount. Your actual APR may differ depending on your credit history and loan characteristics.


Our lights are always on.

Even outside of office hours, M&T is working for you. Apply on your phone, tablet or computer 24/7.


Working Hard for Homebuyers

We know the homebuying process may seem overwhelming. Whether you’re just getting started or working towards an upgrade, we’re here to help make your dream come true.