M&T Bank

• Variety of Loan Types
• Current Mortgage Rates
• Mortgage Assistance Programs
• 24/7 Service
• Online Mortgage Management

Variety of Loan Types

M&T offers basic loan options, including the following:

• Conventional Loan
• Adjustable Rate Mortgage (ARM) Loan
• FHA Loan
• VA Loan
• Jumbo Loan

Most mortgage lenders offer these loan types, but some lenders offer more specialized loans that can be tailored to specific needs or financial circumstances.

Current Mortgage Rates

M&T lists daily updated mortgage rates on its website, a unique feature that not many other lenders provide. This can help you more easily compare mortgage lenders, but also make some estimates for what your monthly payment might be moving forward.

If you’d like a personalized rate quote, you can easily get one through the M&T website, or you can quickly complete the pre-qualification process which can give you more insight into how much house you can afford and what your payments may look like in the future.

Mortgage Assistance Programs

M&T provides various mortgage assistance options if you fall upon financial hardship or need other assistance with your mortgage and subsequent payments. M&T provides some of the following options:

• Repayment plan — An option to help you keep your home. Your past due payments and fees will be spread over a predefined period of time and will be paid back as part of your ongoing monthly payments. 
• Forbearance plan — An option to help you keep your home. Your payments will be temporarily paused over a period of time.
• Loan modification — An option to help you keep your home. Your mortgage is permanently restructured to bring your account current. This can include reducing your interest rate or extending your loan term.
• Short sale — An option to sell or transfer your home. Sell your home at fair market value for less than what is due on your mortgage.
• Deed in lieu — An option to sell or transfer your home. Your home will be voluntarily transferred to M&T Bank.

Your eligibility for each of these assistance options will depend on your financial situation. A M&T Bank representative will work with you to determine what option will best meet your needs.

24/7 Service

You can apply for a mortgage online within or outside of business hours, and M&T will be there to help you whenever you need it.

Online Mortgage Management

As a M&T mortgage customer, you will have access to an online portal, through which you can view and manage your mortgage, and make payments.

• Limited Branch Locations

Limited Branch Locations

If you would prefer to visit a M&T Bank branch at any point, it is important to note that the bank only has branches in certain locations in the mid-atlantic states and Florida.