Enable Java Script

Either your browser does not support JavaScript, or you have JavaScript disabled.
You must have a JavaScript-enabled browser to use this site.

Microsoft Internet Explorer

To turn on JavaScript in Internet Explorer, follow these steps:

  1. On the Tools menu, click Internet Options, and then click the Security tab.
  2. Click the Web content zone that you are using (for example, click Local Intranet),
    and then click Custom Level button.
  3. Locate Active scripting under Scripting settings. Click to select the Enable radio button.
  4. Click OK button on Security Settings and Internet Options windows to save your changes.

To download Internet Explorer 7, click here.


To turn on JavaScript in Firefox, follow these steps:

  1. On the Tools menu, click Options.., and then click the Content tab.
  2. Click to select the Enable JavaScript check box.
  3. Click OK button to save the setting.

To download Firefox 2, click here.


To turn on JavaScript in Safari, follow these steps:

  1. Open Safari
  2. On the Safari menu, click on Preferences.
  3. Click the Security icon.
  4. Click on Enable JavaScript next to the Web Content section if it is not checked
  5. Close the Preferences window
  6. Close and restart Safari.

Opera 9.xx series

To turn on JavaScript in Opera 9.xx series, follow these steps:

  1. Open Opera.
  2. On the Tools menu, click Preferences.
  3. Click Content in the Preferences list.
  4. Check the box next to Enable JavaScript.
  5. Click the JavaScript Options button to open the JavaScript Options box.
  6. Check the boxes that you want to allow.
  7. Click OK.
  8. Click OK.

Google Chrome(v0.4.154.23)

To turn on JavaScript in Google Chrome(v0.4.154.23), follow these steps:

  1. First close any open Chrome windows.
  2. Right click on a blank area of your Desktop.
  3. Select New.
  4. Create a new Shortcut with the following in the "Type the location of the item:" text box:
    • For Windows Vista:
      %userprofile%\Local\Google\Chrome\Application\chrome.exe -enable-javascript
    • For Windows XP:
      "%userprofile%\Local Settings\Application Data\Google\chrome.exe" -enable-javascript
      Note: You'll have to enclose the file path for Windows XP in quotes due to there being spaces in it.





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Buying a Home in Need of Improvement

​Found your dream home, but it’s slightly less than perfect? Discover why a renovation mortgage loan may be right for you.




​​​Turn your vision into a reality.

A renovation loan is a convenient, single loan that combines your home's purchase price and home improvement expenses all in one loan. 

Financing is based on the value of the home after you make the improvements, so you're not limited by the amount of equity currently available to you. M&T's renovation mortgage loans offer low down payments, low closing costs and a variety of loan terms.

Renovation loans can be used for a wide range of home improvements, including:

  • Siding
  • Windows
  • Roofing
  • New kitchen or bath
  • Additions
  • Landscaping
  • And much more

​​Home Renovation Loan Options

FHA 203(k) Renovation Mortgage

The FHA 203(k) features a low down payment and low closing costs. You can finance a variety of home improvements and choose from short- and long-term fixed rate as well as adjustable rate mortgages.

​Fannie Mae HomeStyle Mortgage

An FNMA HomeStyle Mortgage offers larger loan sizes for homes in need of renovation, repair or remodeling.

SONYMA Remodel New York

Offered by the State of New York Mortgage Agency (SONYMA) in New York State, this program features a competitive interest rate for first time buyers purchasing a home in need of improvement. Down payment assistance is available. Borrowers are required to meet income and purchase price limits.

Renovation Mortgage Video

​Sometimes when homebuyers find the house they've fallen in love with, it may be in need of some updates/renovations. M&T offers homebuyers renovation financing options that allow for the purchase and renovation of a home in one easy step.

View video tr​anscript ›

​Take the next step.

For more details on renovation mortgage programs, please contact us today.

​​Call us.


​Have us call you.

Send your name and contact information, and an M&T Mortgage Loan Officer will get in touch.

Submit Contact Request Form ›









  • How do I know which mortgage program is best for me?
  • An M&T Mortgage Loan Officer can guide you through the process --  reviewing the mortgage programs available to you and helping to determine how much you can borrow.

Start the Pre-Approval ProcessThinking about buying a home? Let's get started.

Young girls playing with packing peanuts in home.

​Find out how much you could potentially borrow.