My Mortgage Info F A Qs

Get a list of important addresses and the answers to many frequently asked questions related to My Mortgage Info, the online tool for accessing and managing your mortgage account.

​Yes. You can register for M&T Online Banking to access your account information. View our enrollment instructions.

​All you need to get started is:

  • Your mortgage loan account number
  • Your social security number
  • Your email address

To enroll in M&T Online Banking:

  1. Go to to mtb.com
  2. Click “Log In” at the top of the page
  3. Click “Enroll Today”
  4. Click “I don’t have a card”
  5. Continue to follow the easy online instructions to establish you User ID and Passcode, provide your email address, and select security questions and answers

You can sign up for automatic deduction of your mortgage payments online at mtb.com.  Simply log in, navigate to your mortgage account information, select “View My Mortgage Info,” select the Payments section in the top navigation bar, and then choose Auto Draft Payment. Learn more about how to enroll in automatic payments.

  • ​The ability to access all of your personal banking accounts, including your mortgage
  • A more modern look and feel
  • Easy-to-use navigation that lets you know exactly where you are in the process of making a one-time payment or enrolling in automatic deduction
  • Greater compatibility with mobile browsers

Using a mobile browser, you will be able to make your monthly payment in M&T Online Banking. Click any of the “Pay Now” links and have your checking account information available.

If you have previously made payments through the My Mortgage Info system, this information will be saved for your convenience.

​​​Government loans, such as FHA, VA, RHS, and SONYMA (New York State only),​ are typically designed for first time homebuyers and buyers qualified for special financing assistance. Government financing includes features such as 100% financing, easier qualifying and closing cost assistance. Conventional loans offer higher loan amounts and lower rates, and require more cash to close.​

​​The loan-to-val​ue (LTV) is your loan amount divided by your property value. For example, the loan-to-value on a $100,000 house with a $75,000 loan amount is 75%. You can find your LTV by logging in to M&T Online Banking and reviewing your mortgage account details.

Your loan can be sold at any time. There is a secondary mortgage market in which M&T Bank, like most lenders, frequently buys and sells mortgages. A secondary lender buying your loan assumes all terms and conditions of the original loan. As a result, the only thing that might change if your loan is sold is to whom you make your payments.

If your loan is sold, M&T Bank will notify you and inform you if the name and payment address of your loan servicer does happen to change.

Please contact an M&T Refinance Specialist directly using our online form​ or by calling 1-888-253-0799.

To establish an online account to access your mortgage account information, please visit onlinebanking.mtb.com to enroll. Once you've registered, you can view your account online.​

You can cancel the automatic deduction of your mortgage payments online at onlinebanking.mtb.com. Simply log in, navigate to your mortgage account information, select the Autodraft Payment section, and then choose Cancel Automatic Draft Payment. Cancellations must be made at least three business days prior to the next scheduled draft date.

Cancellations may also be faxed it to 1-866-409-4642. 

Representatives are available to assist you at 1-800-724-2224, Monday through Friday, 8:30am–9:00pm ET.

NOTE: Some accounts are not eligible to cancel this service, including biweekly mortgages.

All lending products are subject to credit and property approval. This is not a commitment to make a mortgage loan. Products are not available in all states. Certain conditions and restrictions apply. Refinancing to reduce total monthly payments may lengthen repayment term or increase total interest expense compared with your current situation. NMLS #381076.