Make Yourself at home.

Whether you’re refinancing or buying your first home, M&T has you covered.

Let us get you home.

Buy a new home.

Start your application or
get pre-approved.

Refinance your home.

Lower your monthly payment, unlock equity or pay off faster.

Hardship Assistance.

Explore your options
during COVID.

Manage your mortgage.

View your statements
and manage payments.



Current mortgage rates

Rates differ by location and details of the loan desired. We’re happy to help you get a rate customized to your situation.

Additional options are available. Chart data is for illustrative purposes and is subject to change without notice. Advertised APR is based on a set of loan assumptions including the cost of approximately 2.000 points due at closing. One point is equal to one percent of your loan amount. Your actual APR may differ depending on your credit history and loan characteristics.

Our office never sleeps.

Our lights are always on.

Even outside of office hours, M&T is working for you. 
Apply on your phone, tablet or computer 24/7.

Community of Homeowners

Working Hard for Homebuyers.

We know the homebuying process may seem overwhelming. Whether you’re just getting started or working towards an upgrade, we’re here to help make your dream come true.

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.