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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.Ìý

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

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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 dedicatedÌýLoan ExpertÌýwill 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

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Manage your account with ease.

Set upÌýonline bankingÌýto 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

Get home faster with M&T Mortgages

At M&T ÃÈÃÃÉçÇø 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.Ìý

We're here to help.

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

Mortgage Loan Types

Read more about the different home loan options that M&T offers.Ìý

3 Reasons to Consider a Mortgage Refinance

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