Apply for Mortgage Assistance

Take action by following the steps below to apply for mortgage and home equity loan assistance.

How to Apply for Assistance

Take action. Start with these few steps. 

Step 1: Download and complete an Assistance Program Application.

For loans NOT backed by Fannie Mae or Freddie Mac use the Mortgage/Home Equity Loan Application #1.

For loans backed by Fannie Mae or Freddie Mac use Mortgage/Home Equity Loan Application #2.

If you’re unable to print the forms, please call us at 1-800-724-1633 and we’ll mail them to you.

Not sure who your loan is backed by? Use one of these tools to look up your loan.

If your loan doesn’t appear on either of these tools, use Loan Application #1.

Freddie Mac Loan Lookup

 Or call 1-800-FREDDIE (8am – 8pm EST)

Fannie Mae Loan Lookup

 Or call 1-800-2FANNIE (8am – 8pm EST)

Step 2: Gather your documents.

It is extremely important that you review your Mortgage Assistance Application to ensure its complete and that you’ve gathered all of the required documents listed out in the application before submitting back to us. We need to receive a fully complete application in order to review your hardship request for all loan assistance programs.

Additional Forms

The below forms are provided in the Mortgage Assistance Applications, if applicable, however we have separated each attachment into their own PDFs, should you need to download and print an extra individually.

Step 3: Submit your completed forms.

Once you’ve completed the forms and gathered all necessary documents, you can submit your documentation to us in one of three ways:

Print or Scan a PDF to:
Please include your loan number in the body of your email or scan.

Fax to:

Mail to:
M&T Bank
P.O. Box 840
Buffalo, NY 14240

Step 4: Look for confirmation.

Once we’ve received your mortgage assistance application, you will receive an acknowledgement letter from us in the mail. You’ll then receive a second letter, either informing you that your application is complete with next steps, or instructions on how to complete your application if further documents are required from you.

Additional Resources

HUD Counseling. For additional assistance, the United States Department of Housing and Urban Development (HUD), which is a government agency, sponsors housing counseling agencies throughout the country that can provide help on foreclosure prevention and debt management information, as well as translation or other language assistance.

If you need assistance, please contact a HUD-approved housing counselor:

HUD’s phone number1-800-569-4287

HUD’s website

HUD’s toll-free number via Text Telephone (TTY). 1-800-877-8339

The Consumer Financial Protection Bureau (CFPB). 1-855-411-2372



Impacted by COVID-19?

 We’re here to help.

Please complete the form to tell us how you’ve been impacted or review our COVID-19 resources.

 Mortgage and Home Equity Loan Hardship Form >

 COVID-19 Hardship Assistance F A Qs >

 Mortgage Forbearance Infographic (PDF) >

 CARES Act Mortgage Forbearance CFPB Video >

Have questions?

An M&T representative is happy to assist you.

We can help you fill out your Mortgage Assistance Application or answer any other questions.

Call us at 1-800-724-1633

Hours: Monday - Thursday: 8am - 9pm EST, Friday: 9am - 5pm EST

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Read our F A Qs >

All Repayment Assistance options are not available with all products, and there is no guarantee that you will receive Repayment Assistance. You are obligated to make all future payments as they come due, even while M&T Bank is evaluating a request for Repayment Assistance. Additionally, M&T Bank will continue normal servicing of your loan up to, and including, referral to foreclosure and repossession during the time it is reviewing your request for Repayment Assistance. Credit reporting will continue, and, if applicable, your loan will be reported as delinquent until your loan is brought fully current. It is also important to note that the request for Repayment Assistance does not waive any remedies available to M&T under the terms of your loan documents. You may be required to pay additional fees/and or costs depending on the type of loan and solution you qualify for.
This is an attempt to collect a debt, and any information obtained will be used for that purpose. If you are in bankruptcy or received a bankruptcy discharge of this debt, this communication does not apply to you.