Potentially 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 potentially 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. 

Connecticut Housing Finance Agency (CHFA) mortgage programs offer low downpayments, fixed rates and lower monthly payments. They can be combined with Down Payment Assistance programs for properties located in the state of Connecticut. 

Call us at 1-888-253-0799 for more information and to be directed to a local representative for help with getting 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

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

M&T’s Home Starter 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 Home Starter 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 Home Starter 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 Home Starter Mortgage is available in select counties in CT, DC, DE, ME, MA, MD, NH, NJ, NY, PA, VA, VT and WV. 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.

M&T Bank offers a variety of Mass Housing programs designed to help make mortgages affordable for Massachusetts residents. 

The Massachusetts Housing Partnership (MHP) is designed to provide loans to low-to-moderate income first-time homebuyers in the State Massachusetts. This program has discounted interest rates and eliminates borrower-paid mortgage insurance requirement. 

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 $766,550. If you need a loan above $766,550 and don't want to take on multiple mortgages, this mortgage typically offers lower interest rates than a jumbo for loan amounts up to $1,149,825 depending on the county.

Features and Benefits

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

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

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

Vermont Housing Finance Agency (VHFA) mortgage programs offer low downpayments, fixed rates and lower monthly payments. They can be combined with Down Payment Assistance programs for properties located in the state of Vermont. 

Call us at 1-888-253-0799 for more information and to be directed to a local representative for help with getting started on your application.