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Start the home buying process.

We’re here to help you understand the steps so you can focus on finding the right home.

At M&T, we’re all about keeping it simple.

Our commitment is to understand your unique situation, so we can help you through the homebuying process with confidence. Our Mortgage Experts work with you during each step.

We start by getting to know you.

  • We map out your financial goals to customize a home ownership plan just for you.
  • Review your short and long-term financial commitments.
  • Build a budget that works for you (down payment, monthly expenses, closing, and move-in costs).
  • Get pre-approved online or with a Loan Expert
  • Use your pre-approval letter to shop with confidence and show the seller you’re prepared.
  • Your dedicated Loan Expert will be here for any assistance you or your real estate agent may need.

Congrats -- you found a home.

  • Start a mortgage application. Your dedicated Loan Expert will guide you to your best loan option.
  • We'll provide you with a list of documents we'll need to keep your application moving forward.
  • Snap a photo, connect to your financial institution, payroll provider, or tax preparer. You may also expedite the process by e-signing remotely.
  • Close on your new home and celebrate.

Your new home is just the beginning.

  • Set up online banking to access your account – anytime.
  • Schedule your payment and manage your mortgage online or through our mobile app.
  • You're part of the M&T family, and our experts will be here to assist you with future needs.

Mortgages made easy

Get home faster with M&T Mortgages

At M&T Bank we understand all the decisions you need to consider when buying a home. Choosing the right loan shouldn’t be a difficult one. See how our process helps you get home faster.

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Contact Us

We're here to help.

Our mortgage experts can help you understand your options and guide you through the process. 


"M&T was wonderful and did a great job! We will be referring any one we can to them for any loans they need in the future.”

Charles & Julie P.

Mortgage Loan Types

Read more about the different home loan options that M&T offers.
Read Article >

3 Reasons to Consider a Mortgage Refinance

Learn about three ways refinancing a mortgage could have an immediate impact on your financial situation.
Read Article >
According to statistics released by the U.S. Small Business Administration (SBA) for total approved loans through the SBA's 7(a) lending program during the federal fiscal year ending 9/30/2023.
Source: Coalition Greenwich 2022 Commercial Banking Program. 
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.