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Refinance your home while the cookies bake.

We've made refinancing your mortgage quick and easy.

The application process is in your hands.

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.

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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.

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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.

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Mortgages Made Easy

Get home faster with M&T Mortgages

At M&T Bank we understand all the decisions you need to consider when refinancing. Choosing the right loan shouldn’t be a difficult one. See how our process helps you get home faster.

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Resources & Insights

Mortgage Refinancing: Hidden Opportunity

These challenging economic times may come with a hidden opportunity: The current economic downturn prompted an unprecedented response from the Federal Reserve, which resulted in lower mortgage rates. Learn more about mortgage refinancing and its potential benefits.

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Resources & Insights

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.

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Resources & Insights

A More Convenient Mortgage Application

Online mortgage applications transform the mortgage pre-approval process from complex and cumbersome to simple and convenient.

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Resources & Insights

3 Reasons to Consider a Mortgage Refinance

Here are three ways refinancing a mortgage could have an immediate impact on your financial situation.

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Feel at home with M&T

"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

Disclosures:
According to statistics released by the U.S. Small Business Administration (SBA) for total approved loans through the SBA's 7(a) lending program during the federal fiscal year ending 9/30/2022.

Based on Greenwich Associates 2022 Small Business Banking Excellence Awards.

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.

If you are a service member on active duty looking to refinance your mortgage loan, please consult your legal advisor regarding whether your existing mortgage loan is eligible for benefits under the Servicemembers Civil Relief Act and how a refinance may impact those benefits.

Our Online Gadgets Make It Simple

With a few clicks, you can personalize loan programs, rates, payments and more. Or, let us know what you’re looking for, and we’ll make sure you’re matched with the right home loan expert.