Find a loan that makes you feel right at home.

M&T understands your loan is as unique as your home. We’re here to help.

Most Popular Loan Types

Adjustable Rate Mortgage (ARM)

Not every homebuyer is ready to settle down long term. This mortgage lets you start with a lower initial rate and monthly payment. That means more cash in your pocket to save for the future—wherever it may be.

Features & Benefits

Minimum Downpayment 5%
Minimum Credit Score 620
Maximum Loan Amount $548,250
Interest Rate Adjustable

Federal Housing Administration (FHA)

Some first-time homebuyers need a little help. That's why we offer a loan option with flexible credit requirements. You can also use gifted funds from family members or government assistance programs to help with your downpayment.

Features & Benefits

Minimum Downpayment 3.5%
Minimum Credit Score 580
Maximum Loan Amount Per County Limit
Interest Rate Fixed or Adjustable

Fixed-Rate

We understand everyone’s budget is different. A fixed-rate mortgage guarantees your monthly payments remain stable over the life of your loan so that you can plan without surprises.

Features & Benefits

Minimum Downpayment 3%
Minimum Credit Score 620
Maximum Loan Amount $548,250
Interest Rate Fixed

Jumbo

You can dream big. If you’re looking for a home that requires a loan amount above $548,250, we have options with loan amounts of up to $2,000,000.

Features & Benefits

Minimum Downpayment 10%
Minimum Credit Score 680
Maximum Loan Amount $2,000,000
Interest Rate Fixed or Adjustable

Veterans Administration (VA)

We are thankful for our Veterans. That's why we work hard to qualify Veterans, making it easier for you to get home with flexible credit requirements and no downpayment.

Features & Benefits

Minimum Downpayment 0%
Minimum Credit Score 620
Maximum Loan Amount No Maximum
Interest Rate Fixed or Adjustable

Ready to take the next step?

You can explore your loan options, payments, programs, and rates online. Or, our mortgage experts can help guide you through the process.

Additional Home Loan Options

We have additional home loan options available based on your particular needs to help you get into a home of your own. Scroll down to learn more about your options, and use our easy loan wizard to explore products, rates and payments or get pre-approved now.

Save thousands of dollars in interest.

When you buy or refinance your home with a bi-weekly mortgage, you’ll own your home years sooner and save thousands of dollars in interest. With M&T’s Bi-Weekly Mortgage you simply make half of a regular monthly mortgage payment every two weeks, instead of a full payment once a month, helping you pay off your mortgage faster.

Call us at 1-888-253-0799 for more information or get started on your application

Specializing in new construction financing, M&T Bank offers years of experience most lenders can’t. That means we can provide flexible financing solutions that help make building a new home easy and affordable.

Features and Benefits

  • Two-Close Construction Loan options
  • A wide range of end loans including fixed rate mortgages, adjustable rate mortgages, and jumbo loans
  • Peace-of-mind with permanent end loan, interest rate lock options
  • Experienced mortgage consultants. When you come to M&T, you won’t just get a loan. We’ll help you understand the home building process, making you a more informed buyer, which could save you time and money.*

Call us at 1-888-253-0799 for more information or to get started on your application.

* M&T does not endorse specific builders or lots, nor does M&T make representations regarding the quality of any builder’s work or materials. M&T advocates the value of homebuyers educating themselves regarding the home building process.

Fine tune the terms or interest rate of your mortgage, and get back on track. With reduced documentation, the FHA Streamline Refinance can help.

Features and Benefits

Minimum Downpayment 0%
Minimum Credit Score No Minimum
Maximum Loan Amount Per County Limit
Interest Rate Fixed or Adjustable

Call us at 1-888-253-0799 for more information or get started on your application

M&T’s Get Started Mortgage makes buying a home easy. 

Buy a home with as little as 1% out-of-pocket and finance your closing costs.* M&T’s Get Started Mortgage requires a cash downpayment of 3%. You can finance the remaining 2% downpayment that is required with a gift, a grant or an M&T unsecured loan. Plus, you’ll be able to finance most of your closing costs. This dramatically reduces the cash you’ll need to buy a home, enabling you to own a home years sooner.

The Get Started Mortgage also features a low fixed interest rate. This low rate helps keep payments affordable, which makes buying a home or refinancing your mortgage easier.

Call us at 1-888-253-0799 for more information or to get started on your application.

* M&T’s Get Started Mortgage is available in select counties in New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and the District of Columbia. Certain conditions and restrictions apply. Offer subject to change.

M&T’s HomeStyle Mortgage offers higher loan amounts for those interested in buying a larger home, and few restrictions on the type of improvements that can be made. You can buy or refinance a property that needs renovation, repair or remodeling and easily finance both the purchase and the improvements in one easy step.

Call us at 1-888-253-0799 for more information or to get started on your application.

SONYMA mortgage programs feature competitive interest rates, low downpayments, flexible underwriting guidelines, down payment assistance and no prepayment penalties for properties located in the state of New York. 

Call us at 1-888-253-0799 for more information or to get started on your application. 

If your home purchase requires a larger loan amount, a super-conforming mortgage is available for loans over the maximum conforming loan amount of $548,250. If you need a loan above $548,250 and don't want to take on multiple mortgages, this mortgage typically offers lower interest rates than a jumbo for loan amounts up to $822,375 depending on the county.

Features and Benefits

Minimum Downpayment 5%  
Minimum Credit Score 620  
Maximum Loan Amount $822,375  
Interest Rate Fixed or Adjustable  

Call us at 1-888-253-0799 for more information or get started on your application

Does fresh air, open spaces and 100% financing sound appealing? USDA/Rural Housing loans make homeownership affordable for buyers with little cash savings. In fact, buyers in eligible rural and suburban areas can often purchase a home with no downpayment.

Features and Benefits

Minimum Downpayment 0%
Minimum Credit Score 640
Maximum Loan Amount $548,250
Interest Rate Fixed

Call us at 1-888-253-0799 for more information or get started on your application

If you already have a VA home loan, here's a streamlined option to lower your interest rate.

Features and Benefits

Minimum Downpayment 0%
Minimum Credit Score 620
Maximum Loan Amount No Maximum
Interest Rate Fixed or Adjustable

Call us at 1-888-253-0799 for more information or get started on your application

Help Center What can we help you with today?

TOOLS & RESOURCES

Mortgage F A Qs

Get answers to frequently asked questions about mortgages.
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TOOLS & RESOURCES

The Home Buying Process

We're here to help you understand the steps so you can focus on finding the right home.
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RESOURCES & INSIGHTS

3 Reasons to Consider a Mortgage Refinance

Learn about three ways refinancing a mortgage could have an immediate impact on your financial situation.
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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.