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Foreclosure Prevention Event

Topic:Foreclosure PreventionDate/Time:Location:TBDGet DirectionsContact:Call our Mortgage Community Outreach line at 716-343-6287 or 1-800-724-1633, or email emtgbxj@mtb.com. Please include the following: borrower(s) first and last name, property address, contact number and best time to reach you, and your question/comment.Website: Register for this Event

​M&T offers foreclosure prevention programs to customers struggling to make their monthly mortgage payments. During one of our informational events, you will meet with a default mortgage professional who will advise you of the options available to you based on your loan type.

There may be a number of options to fit your situation. We'll sit down with you to find the right solution and answer any questions you may have.​DIS-160*-DIS

​How to Prepare for This Event

​​What to Bring

Please bring the following items with you to the event:​

  • A detailed hardship letter
  • Your last 30 days of pay stubs
  • A list of your monthly expenses

​How to Expedite Your Request

If your loan is owned by FannieMae or FreddieMac, please print and complete the Uniform Borrowers Assistance Form and bring it with you to the event.
Download Uniform Borrowers Assistance Form (PDF) >


To determine if you have a Fannie Mae or FreddieMac loan, please visit http://www.fanniemae.com/loanlookup or ​http://www.freddiemac.com/mymortgage.

If your loan is not owned by FannieMae or FreddieMac, please print and complete the Foreclosure Prevention package and bring it with you to the event.

Download Foreclosure Prevention Package (PDF) >

 

 

 

 

  • 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.​

 

 

​Modifying your loan involves adding past due payments (including principle, interest, taxes and insurance) back into the loan balance in order to bring it current. Your payments are then recalculated over a new term (period of time in which the loan must be repaid).

​HAMP can lower your monthly mortgage payments to no more than 31% of your verified monthly gross income. Not all loans are eligible for the HAMP program.

​The repayment plan option distributes delinquent payments over a period of time, usually not to exceed 6 months. A portion of the delinquent payments is added to the current monthly mortgage payment.

​When the property value (market value) is less than what you owe on the home, lenders may consider accepting less than the full amount needed to pay off the mortgage, satisfying the debt. This is commonly known as a Short Sale or Pre-Foreclosure Sale.

This option is only usually considered if one of the above three options are not successful.

​If you are unable to sell your property at market value via a Short Sale, you may be allowed to transfer legal ownership back to the investor. A clear title is required in order to take advantage of this option. 

This option is usually only considered if one of the above four options are not successful.

 

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