Home Equity Repayment Options

We have several options to help you repay your Home Equity loan or line of credit. Let's work together to help you keep your account on track. Select your loan type to get started.

Home Equity Line of Credit

Bring your account current.​

Our Line of Credit Reage option immediately brings a past-due Home Equity Line of Credit account current by reamortizing the loan. If you qualify for a reage, your past due account is immediately brought up to date and you are not required to pay the total amount of principal, interest and accrued fees. You must demonstrate an ongoing ability and willingness to meet regularly scheduled payments.
Apply for a Line of Credit Reage >

Keep your account in good standing by making a promise to pay.

Payment Promise is a form you submit to tell us that you plan to make a payment on a past due loan. The form contains details about your promise to pay – how much, when and by what method (online, branch, mail) – and allows you to make payment arrangements with us.
Submit Your Payment Promise >

Get new loan terms that work better for your financial situation.

If you're experiencing an extended financial hardship, our Loan Workout program may be able to help. We'll work with you to put your loan repayment back on track by rewriting your existing M&T Bank loan. This may involve rescheduling the loan over a longer payback period to lower your monthly payment.
Start the Loan Workout Process >

Are you active duty military? Take advantage of repayment programs designed for you.

The Servicemembers Civil Relief Act (SCRA) entitles eligible active duty U.S. Military members to certain benefits and/or protections related to their accounts with M&T Bank – including home equity lines of credit and several types of loans.
Learn About Programs for Servicemembers >

Home Equity Loan

Keep your account in good standing by making a promise to pay.

Payment Promise is a form you submit to tell us that you plan to make a payment on a past due loan. The form contains details about your promise to pay – how much, when and by what method (online, branch, mail) – and allows you to make payment arrangements with us.
Submit Your Payment Promise >

Get new loan terms that work better for your financial situation.

If you're experiencing an extended financial hardship, our Loan Workout program may be able to help. We'll work with you to put your home equity loan repayment back on track by rewriting your existing M&T Bank loan. This may involve rescheduling the loan over a longer payback period to lower your monthly payment.
Start the Loan Workout Process >

Are you active duty military? Take advantage of repayment programs designed for you.

The Servicemembers Civil Relief Act (SCRA) entitles eligible active duty U.S. Military members to certain benefits and/or protections related to their accounts with M&T Bank – including home equity lines of credit and several types of loans.
Learn About Programs for Servicemembers >

Ready to apply for repayment assistance? Contact us today.

We can help you determine which of our repayment solutions may be right for you. Talk to one of our specialists today at 1-888-526-1580.

Hours
Monday-Thursday 9am–9pm ET
Friday 9am–5pm ET
Saturday 8am–12pm ET

Please have the following information available when you call:

  • Account number
  • Social Security Number
  • Recent pay stub
  • List of monthly expenses and dollar amounts (example: utility bills, car payment, credit card payments, etc.)​

During the call, we'll discuss your options and assist you with the Mortgage & Home Equity Repayment Assistance Form.

All Repayment Assistance options are not available with all products, and there is no guarantee that you will receive Repayment Assistance. You are obligated to make all future payments as they come due, even while M&T Bank is evaluating a request for Repayment Assistance. Additionally, M&T Bank will continue normal servicing of your loan up to, and including, referral to foreclosure and repossession during the time it is reviewing your request for Repayment Assistance. Credit reporting will continue, and, if applicable, your loan will be reported as delinquent until your loan is brought fully current. It is also important to note that the request for Repayment Assistance does not waive any remedies available to M&T under the terms of your loan documents. You may be required to pay additional fees/and or costs depending on the type of loan and solution you qualify for.
This is an attempt to collect a debt, and any information obtained will be used for that purpose. If you are in bankruptcy or received a bankruptcy discharge of this debt, this communication does not apply to you.