At M&T, we offer a wide variety of loan programs to meet your specific needs and goals, including:

• Conventional loans
  • Fixed-rate loans for the life of the loan
    
    
• ARMs (Adjustable Rate Mortgages)
  • Loans featuring a fixed-rate for an initial term, and an adjusting rate after the initial fixed period
    
    
• FHA Loans
  • Fixed-rate loans for the life of the loan
  • Adjustable Rate Mortgages (ARMs) with a fixed rate for an initial term, and an adjusting rate after the fixed period
    
    
• VA loans
• Fixed-rate loans for the life of the loan
• Adjustable Rate Mortgages (ARMs) with a fixed rate for an initial term, and an adjusting rate after the initial fixed period 
  
  
• Jumbo Loans
  
  
• Second Mortgages
  
  
• Custom Construction Loans
  
  
• Specialty Loans

Which type of loan is right for you? We can help, and here are just a few factors to consider when choosing a loan:

• How long do you plan to own your home?
• Are you a first-time home buyer?
• Are you self-employed?
• What is your risk-tolerance? Are you more comfortable with a loan with a fixed rate, or a payment that will change over time?
• How is your credit history?
• What kind of down-payment are you able to consider?
• Do you have financial obligations in the future to take into account, such as paying for a college education, retirement, or elderly care?

With so many considerations, loan program options and continually changing guidelines, your loan professional at M&T plays a valuable role in helping you analyze and choose just the right loan for your needs. We look forward to assisting!