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.

Firefox

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.

Safari

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.

 

 

 

 

Male M&T employee sitting with a man and woman at a table and discussing paperwork.

First Home Club

​Planning to buy your first home in New York or New Jersey? Find out if you’re eligible for down payment and/or closing cost assistance as a first time homebuyer.

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​​​Down Payment Assistance Program for First Time Homebuyers

M&T Bank and The Federal Home Loan Bank of New York are working together to provide down payment and/or closing cost assistance to qualified first time homebuyers who reside in, and are looking to purchase a home in, New York or New Jersey.

A first time homebuyer is typically defined as someone who has not owned real estate in the past three years.

​How It Works

The First Home Club is a grant program in New York and New Jersey that provides down payment and/or closing cost assistance to first time homebuyers who meet income and eligibility guidelines. This grant program through the Federal Home Loan Bank of New York may match four dollars for every dollar you save, up to a maximum assistance grant of $7,500. Borrowers must save $1,875 of their own funds to maximize the matching grant funds.DIS-370-DIS

​An M&T Loan Officer will help you determine if you are qualified and enroll you in the program. Once qualified, you'll be provided with a First Home Club Referral Authorization Form so you can open your savings account and get started. Review the process in 10 easy steps (PD​F).

​Eligibility Requirements

In order to be eligible, you must meet the following conditions:

  • Purchase and reside in a home in New York State or New Jersey
  • Be a first time homebuyer purchasing a 1- to 4-family home, condo or co-op
  • Plan to occupy the home for at least 5 years
  • Have household income at or below 80% of the HUD ​​median income in the area where you currently reside
  • Complete an accredited homeownership course

​​How to Apply

To apply for the First Home Club program, contact an M&T Mortgage Loan Officer in your area.

​Find a Mortgage Loan Officer ›

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  • What happens if mortgage rates increase or decrease after I lock in a rate?
  • ​​If mortgage rates increase or decrease after you've locked in a rate, your locked rate will hold for the duration of your chosen lock period.​

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

​​Find out how much you could​ potentially borrow.​