Mortgages & Loans

Home loans done your way.

Explore your home loan choices, interest rates and payment options – even apply – online or connect with one of our experts to find the right mortgage for you.

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Finance your dreams

M&T has a variety of lending options to help fund your ambitions. Whether you're looking to pay for a college education, buy a home for your family, or maybe you just need extra cash, we're here and ready to help.

In This Section

  • Why Finance With M&T? >  Learn more about how M&T's competitive financing options, personalized service and efficient loan process can help you reach your goals.
  • Mortgages >  Every borrower has different needs. That's why M&T offers such a wide range of home mortgage options – and experienced representatives – to help find the right solution for you.
  • Buying a Home in Need of Improvement >  M&T's Renovation Mortgages offer low down payments, low closing costs and a variety of loan terms.
  • Building a Home >  Secure a new home construction loan and enjoy borrower-friendly loan terms, a straightforward process and the ability to choose the exact home you want.
  • Manage Your Mortgage >  Have an existing mortgage with M&T Bank? Enroll or log in to access all of your mortgage information online, make payments, and more.
  • CHOICEquity Home Equity >  Make your home work harder for you. Get access to a home equity line of credit when you need it, with the option of variable and fixed rates.
  • Personal Loans >  Take a look at M&T Bank's competitive rates and loan options to find a personal loan that suits your needs.
  • Auto Loans >  Car or truck shopping? Whether you're buying new or used, apply for an M&T Bank auto loan with a quick approval process.
  • Marine & Recreational Vehicle Loans >  Whether you're dreaming of open waters or the open road, M&T Bank offers boat loans, RV loans, motorcycle loans and other recreational loans at competitive rates to help take you where you want to go.
  • Financing Education >  When federal student aid is not enough, explore financing options to help you pay for education.
  • M&T Visa Credit Cards >  Apply for an M&T Visa® Credit Card today to take advantage of valuable benefits like competitive rates, our rewards program and introductory offers.
  • Repayment Assistance Options >  If you need help with your M&T mortgage, credit card or loan payments, contact us to discuss repayment assistance options that may be available for you.
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.