M&T Bank : Mortgage Frequently Asked Questions
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Mortgage Frequently Asked Questions

  1. What are points?
  2. What is Private Mortgage Insurance (PMI)?
  3. What is owner's title insurance?
  4. What is the Annual Percentage Rate (APR)?
  5. What is the Loan Estimate?
  6. Will I receive a copy of my home appraisal?
  7. What happens if mortgage rates increase or decrease after I lock in a rate?
  8. What is loan-to-value (LTV) ratio?
  9. What is debt-to-income (DTI) ratio?
  10. What is an escrow account?
  11. What is mortgage pre-qualification?
  12. Why is my credit history important?
  13. What should I expect during the mortgage process?
  14. After I pay off my mortgage, when can I expect to receive my lien release/mortgage discharge?
  15. Where can I find information about bank-owned preoperties for sale?

All lending products are subject to credit and property approval. This is not a commitment to make a mortgage loan. 

NMLS #381076

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