Enable Java Script

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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.





Young couple sitting among moving boxes in their new home.

Mortgage Process

​Financing a home is a major milestone and probably the largest investment you'll ever make. Have confidence knowing M&T is there with you – every step along the way.




​​​What to Expect from M&T's Mortgage Process

At M&T, we're here to help you navigate the mortgage process. Knowing what to expect is a great place to start. We've outlined the five basic steps so you know how everything typically works. Should you have any questions at any time, please feel free to contact your M&T Mortgage Loan Officer.

​​Step 1: Loan Application

  • Mortgage Loan Officer discusses financing options with you and provides a pre-approval, so you know how much you can afford to borrow
  • When you are ready, you will work with your Mortgage Loan Officer to complete a mortgage application
  • Mortgage Loan Officer completes your application with you and submits it for processing
  • After you’ve completed your application, you will be provided with a Loan Estimate that summarizes the costs associated with your loan

​​Step 2: Loan Processing

  • Your Processing Team obtains other third-party information (for example, an appraisal) that is required to complete your mortgage transaction
  • Your Processing Team prepares file for credit review
  • Your Processing Team will contact your Attorney or Settlement Agent to ensure that all parties are working toward the desired closing date
  • Your Processing Team contacts you when file goes to credit review and updates you on how much time is expected before a decision is made

​​Step 3: Credit Review and Decision

  • ​Loan Underwriter reviews complete loan file and makes a credit decision
  • Upon approval, you will receive a written Mortgage Commitment Letter that summarizes your mortgage loan and lists any conditions that must be met before closing

​​Step 4: Closing Disclosure

  • Your Attorney or Settlement Agent provides M&T with the information required to prepare the Closing Disclosure, which you will receive approximately 3 to 7 business days before closing. The Closing Disclosure confirms the details of your mortgage loan including the estimated funds needed for closing

​​Step 5: Loan Closing

  • ​Depending on the state where your property is located, your Settlement Agent or Attorney will confirm the scheduled closing date with you and review the funds needed to close
  • On the closing date, you will sign your paperwork and complete the loan closing