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Is an Adjustable Rate Mortgage (ARM) right for you?

M&T offers adjustable rate options for many of our mortgage products. Our Loan Officers are here to help determine if an ARM may be right for you.

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What you should know about ARMs

Adjustable Rate Mortgage Details:
You will have an initial fixed interest rate for a predetermined period of time, followed by an adjustable interest rate which can periodically change
Typically have lower interest rates than a fixed-rate mortgage
May allow you to have a lower monthly payment and borrow more overall
Available for new purchases and refinances
Available on a variety of products, including FHA, VA and jumbo loans

An ARM may be the right choice if you:

Plan to stay in your home short term

You may benefit from an ARM if you plan to move again before the initial interest rate resets
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Need to increase your cash flow

The lower initial interest rate on an ARM may offer you a lower monthly payment, freeing up your monthly cash flow

Want to pay off your mortgage

An ARM may be right for you if you plan to pay off your mortgage before the initial interest rate resets
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Mortgage application process
This information is being provided for informational purposes only and is neither a loan commitment nor a guarantee of any interest rate. If you choose to apply for a mortgage loan, you will need to complete our standard application. Our consideration for approval of your mortgage loan application will include verification of the information obtained in connection with your request, including but not limited to income, employment, asset, property value and/or credit information. Our loan programs are subject to change or discontinuation at any time without notice. Not all products are available in all states. Refinancing to reduce total monthly payments may lengthen repayment term or increase total interest expense. Interest rates are subject to change without notice.

Disclosure:

    • This information is being provided for informational purposes only and is neither a loan commitment nor a guarantee of any interest rate. If you choose to apply for a mortgage loan, you will need to complete our standard application. Our consideration for approval of your mortgage loan application will include verification of the information obtained in connection with your request, including but not limited to income, employment, asset, property value and/or credit information. Our loan programs are subject to change or discontinuation at any time without notice. Not all products are available in all states. Refinancing to reduce total monthly payments may lengthen repayment term or increase total interest expense. Interest rates are subject to change without notice.