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.

 

 

Smiling couple in pajamas lounges and relaxes together in bed.

Mortgage Repayment Programs

​​M&T offers a number of repayment programs across certain mortgages to help you keep up with your payments. Let’s work together to find the right solution for you.

Apply for Assistance_

 

 

​​​​We're here to help you understand your mortgage repayment options.


​Ready to apply for repayment assistance? Contact us today.

If you have questions, or need assistance on an account that will be more than 30 days past due, please contact M&T Customer Asset Management at 1-800-724-1633.

During our call, we'll discuss your options and assist you with filling out the Mortgage & Home Equity Repayment Assistance Form, if needed.

This is an attempt to collect a debt, and any information obtained will be used for that purpose. If you are in bankruptcy or received a bankruptcy discharge of this debt, this communication does not apply to you.

Hours:

  • Monday–Thursday 9am–9pm ET
  • Friday 9am–5pm ET
  • Saturday 8am–12pm ET

Please have the following information available when you call:

  • Account number
  • Social Security Number
  • Recent pay stub
  • List of monthly expenses and dollar amounts (example: utility bills, car payment, credit card payments, etc.)

​Attend an informational event.

M&T hosts events where you can meet with a professional Workout Specialist who will advise you of your options available based on your particular situation.

Foreclosure Prevention Events ›

 

 

 

 

 

 

Top FAQs:

  • 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.​

 

 

How It Works

Distribute your delinquent payments over a period of time and add the monthly amount to your regular monthly mortgage payment.

Benefits

  • Brings your account up to date within a specified time frame
  • You can spread the delinquent payments over a period of time

How It Works

Add any past-due interest and escrow amounts to the unpaid principal balance. It is then re-amoritized over a new term.

Benefits

  • Brings your account up to date within a specified time frame
  • You can spread the delinquent payments over a period of time

How It Works

The Department of Housing and Urban Development (HUD) advances a loan to repay the past-due interest and escrow amounts.

Benefits

  • HUD loan is interest-free
  • Immediately brings your account up to date

How It Works

You can sell your home and use the net proceeds to pay off the mortgage if you are unable to maintain payments. This option may be available even if the home's market value is less than the total amount owed.

Benefits

  • Avoids the lengthy legal process involved in a foreclosure
  • Generally less damaging to your credit rating than foreclosure

How It Works

You can transfer your property voluntarily to M&T Bank if you are unable to maintain payments and cannot sell the home at market value.

Benefits

  • Avoids the lengthy legal process involved in a foreclosure

How It Works

Senior homeowners, ages 62 and older, can borrow against the equity in their home for anything they need and receive a lump sum payment, regular monthly payments or a line of credit for future needs.DIS-162-DIS

Benefits

  • No repayment is required until the home is sold or the estate is settled
  • Income and credit history are not considered

Learn About Reverse Mortgages ›

​If Fannie Mae or Freddie Mac owns your loan, you may be eligible for programs designed to make your mortgage more affordable.

Learn More About Federal Programs ›

​The Servicemembers Civil Relief Act (SCRA) entitles eligible active duty U.S. Military members to certain benefits and/or protections related to repaying M&T Bank mortgage loans, as well as several other types of loans.

Learn More About Programs for Servicemembers ›