Enable Java Script

Either your browser does not support JavaScript, or you have JavaScript disabled.
You must have a JavaScript-enabled browser to use this site.

Microsoft Internet Explorer

To turn on JavaScript in Internet Explorer, follow these steps:

  1. On the Tools menu, click Internet Options, and then click the Security tab.
  2. Click the Web content zone that you are using (for example, click Local Intranet),
    and then click Custom Level button.
  3. Locate Active scripting under Scripting settings. Click to select the Enable radio button.
  4. Click OK button on Security Settings and Internet Options windows to save your changes.

To download Internet Explorer 7, click here.


To turn on JavaScript in Firefox, follow these steps:

  1. On the Tools menu, click Options.., and then click the Content tab.
  2. Click to select the Enable JavaScript check box.
  3. Click OK button to save the setting.

To download Firefox 2, click here.


To turn on JavaScript in Safari, follow these steps:

  1. Open Safari
  2. On the Safari menu, click on Preferences.
  3. Click the Security icon.
  4. Click on Enable JavaScript next to the Web Content section if it is not checked
  5. Close the Preferences window
  6. Close and restart Safari.

Opera 9.xx series

To turn on JavaScript in Opera 9.xx series, follow these steps:

  1. Open Opera.
  2. On the Tools menu, click Preferences.
  3. Click Content in the Preferences list.
  4. Check the box next to Enable JavaScript.
  5. Click the JavaScript Options button to open the JavaScript Options box.
  6. Check the boxes that you want to allow.
  7. Click OK.
  8. Click OK.

Google Chrome(v0.4.154.23)

To turn on JavaScript in Google Chrome(v0.4.154.23), follow these steps:

  1. First close any open Chrome windows.
  2. Right click on a blank area of your Desktop.
  3. Select New.
  4. Create a new Shortcut with the following in the "Type the location of the item:" text box:
    • For Windows Vista:
      %userprofile%\Local\Google\Chrome\Application\chrome.exe -enable-javascript
    • For Windows XP:
      "%userprofile%\Local Settings\Application Data\Google\chrome.exe" -enable-javascript
      Note: You'll have to enclose the file path for Windows XP in quotes due to there being spaces in it.





Happy mother holding toddler as smiling father stands in background.

Mortgage Hardship Review

​If you’re suffering from a financial hardship, M&T Bank can help you find ways to possibly lower your mortgage payments.




​​We have programs available to help.

If you're having difficulty or find yourself unable to make your mortgage payments, we have some solutions that may help you.

​In addition to our Mortgage Repayment Programs and Home Equity Repayment Programs designed to make your mortgage more affordable, you may also be eligible to take advantage of another program if your mortgage is owned by Fannie Mae or Freddie Mac:

  • Home Affordable Modification Program (HAMP). If you're unable to pay your mortgage due to financial hardship, this program allows you to modify the terms of your loan to make your payments more affordable
  • Home Affordable Foreclosure Alternatives (HAFA). If you're facing foreclosure and were unable to modify your mortgage, this program provides some alternatives that may help bring you current
  • Home Affordable Refinance Program (HARP). If you're currently making your mortgage payments, but have been unable to refinance due to a loss of home value, the HARP program may adjust the terms of your loan to lower your payments.

​Take action. Start with these few steps.

​Step 1: Find out who owns your loan.

First, determine if your loan is backed by either Fannie Mae or Freddie Mac​. If it is, please continue to Step 2.

If you determine that your loan is not backed by Fannie Mae or Freddie Mac, we still have a variety of assistance programs that may help you, depending upon your circumstances.

Request Repayment Assistance Online ›

​Step 2: Complete and submit the assistance forms.

Download the forms.

If your loan is backed by Fannie Mae or Freddie Mac, print out and complete these two forms:

If your loan is not backed by Fannie Mae or Freddie Mac, print out and complete this form:

Subm​it completed forms.

Once you've completed the forms, you can send them to us in one of three ways:

  • Fax to: 1-855-678-0866
  • Scan and email to: opsmtgsupport@mtb.com​
  • Mail to:
    M&T Bank
    Attn: Workout Department
    P.O. Box 840
    Buffalo, NY 14240

Look for confirmation.

You will receive a letter with confirmation that we received your assistance forms. Additionally, you will receive instructions if additional information is required for the review of your file.

​​Step 3: Attend one of our informational programs.

M&T offers a series of Foreclosure Prevention Events where you can learn more about the choices available to you.

​Have questions?

We can help you with your assistance forms and answer any questions you may have. Contact an M&T Bank representative at 1-800-724-1633.


  • Monday–Thursday 9am–9pm ET
  • Friday 9am–5pm ET
  • Saturday 8am–12pm ET

​Escalating Your Fannie Mae or Freddie Mac Case

If you have a Fannie Mae or Freddie Mac mortgage and are not satisfied with our handling of your case and wish to escalate your complaint, please submit written correspondence to:

​M&T Bank
Attn: SAI Office
P.O. Box 840
Buffalo, NY 14240

Or contact us at 1-800-724-1633 at the hours listed above.

​How the Process Works

Within 3 business days following receipt of an escalated case, M&T Bank will acknowledge your inquiry in writing via mail. A resolution date to resolve your escalated case will be no more than 15 days from the date the inquiry was received.

If we do not resolve your escalated case by the resolution date, we can extend the resolution date for an additional 15 days. However, the total time for resolution of an escalated case will not exceed 30 days.

Within 5 business days of identifying the proposed resolution, we will communicate to you, in writing, the proposed resolution and next steps, if applicable. If we fail to comply with the requirement to resolve the escalated case by the resolution date, an updated status will be provided to you regarding the resolution date's time frame.







Get Started Today