Start the refinance process.

We're here to help you understand the steps so you can find the refinance option that works best for you. 

At M&T, we’re all about keeping it simple.

Our commitment is to understand your unique situation, so we can recommend the best refinance options to meet your financial goals. Our Mortgage Experts work with you during each step.

Let's think about the big picture.

  • Review your current mortgage (rate, payment, term, and equity)
  • Consider your other short and long-term financial commitments
  • Map out your financial goals to help determine if refinancing is right for you

Choose the best option — for you.  

  • We'll guide you to your best option based on your immediate needs and long-term goals
  • Start a refinance application. You can apply whenever and wherever it's convenient for you - using a mobile device, tablet or your desktop
  • Your dedicated Loan Expert will be here for any guidance you need

We make the process simple.  

  • We'll provide you with a list of documents we'll need to keep your application moving forward
  • Snap a photo, connect to your financial institution, payroll provider, or tax preparer
  • You may also expedite the process by e-signing remotely

Manage your account with ease.

  • Set up online banking to access your account – anytime
  • Schedule your new payment and manage your mortgage online or through our mobile app
  • You're part of the M&T family, and our experts will be here to assist you with future needs
Mortgages made easy

Get home faster with M&T Mortgages

At M&T Bank we understand all the decisions you need to consider when buying a home. Choosing the right loan shouldn’t be a difficult one. See how our process helps you get home faster.

Watch Now

Contact Us

We're here to help.

Our mortgage experts can help you understand your options and guide you through the process. 

BANKING WITH M&T

"M&T was wonderful and did a great job! We will be referring anyone we can to them for any loans they need in the future.”

Charles & Julie P.
M&T MORTGAGE CUSTOMERS
Forbes 2020 Best Banks in America 5 years in a row
TOOLS & RESOURCES

Mortgage F A Qs

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

Mortgage Loan Types

Read more about the different home loan options that M&T offers.
Read Article >
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.
Read Article >
{{d706}}
According to statistics released by the U.S. Small Business Administration (SBA) for total approved loans through the SBA's 7(a) lending program during the federal fiscal year ending 9/30/2020.
Based on Greenwich Associates 2020 Small Business Banking Excellence Awards.

{{d706}}
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.
Based on Greenwich Associates 2020 Small Business Banking Excellence Awards.
According to statistics released by the U.S. Small Business Administration (SBA) for total approved loans through the SBA's 7(a) lending program during the federal fiscal year ending 9/30/2020.