Cash-Out Refinance{{d2047*}}
Your home is a valuable investment. Using the equity you’ve built can give you the extra funds you need for what’s important to you. With our cash-out refinance, use the additional funds any way you like, including home improvements, debt consolidation and covering unexpected expenses.
The application process is in your hands.
Get started with our simple online refinance application. From application to closing, we'll help you every step of the way.

Your home is personal, and so is your refinance.
M&T’s refinance wizard calculates personalized mortgage rates, product options, and estimated payments. Because one size doesn’t fit all.

A convenient process designed around you.
We know you're busy. Connect to your bank accounts, tax records and more to save you time when applying.

We make it easy to get started online.
Begin your refinance application on your phone, tablet or computer in just minutes. Available online 24 hours a day, 7 days a week.
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.
"I am completely satisfied with this refinance with M&T Bank. I have already suggested to a friend that he contact M&T Bank for his possible refinance. We had no problems with this procedure and were very impressed with our loan officer's professionalism and the speed and ease off the entire process."
Tien D.
Beaverton, Or.
Mortgage Resources
Online Mortgage Applications Simplify Buying or Refinancing
Online mortgage applications streamline the process and add greater transparency in a surprisingly simple format, whether you’re a first-time homebuyer, leveling up, refinancing or extracting equity.
A More Convenient Mortgage Application
Online mortgage applications transform the mortgage pre-approval process from complex and cumbersome to simple and convenient.
3 Reasons to Consider a Mortgage Refinance
Here are three ways refinancing a mortgage could have an immediate impact on your financial situation.