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Build or Renovate a Home. M&T can help you navigate the financing process.

Building your own home can be exciting and fulfilling. You design the space to suit your needs, including important considerations such as energy efficiency, design and safety.

There are things to consider when building a home versus buying an existing home. More documentation is required when you build and there is a longer wait to get into the home. M&T has a construction lending program that can help make the process easier for you.

Or perhaps you want to buy an existing home and renovate? With a single mortgage loan from M&T, you can buy the home of your dreams and renovate.

Do you want to build your own home?

If you want to build in Delaware, the District of Columbia, Maryland, New Jersey, New York, Pennsylvania, Virginia, West Virginia or Utah, M&T may be able to help. Our program offers borrower-friendly features including:

  • Two-close construction financing for 1-unit primary residences
  • Loan amounts up to $1.5 million
  • End loan financing up to 95% loan-to-value
  • Affordable interest-only payments during construction
  • Construction terms up to 360 days

Are you buying a home that needs renovating?

If you've found your dream home but it's slightly less than perfect, a Renovation Mortgage may be right for you. A convenient, single loan that combines mortgage and home improvement financing all in one. Financing is based on the value of the home after you make the improvements, so you're not limited by the amount of equity currently available to you. You can finance home improvements including siding, windows, roofing, a new kitchen or bath, additions, landscaping and more.

M&T's Renovation Mortgages offer low down payments, low closing costs and a variety of loan options:

FHA 203(k) Renovation Mortgage
Features low down payment and closing costs with the ability to finance a variety of home improvements. You choose from short- and long-term fixed and adjustable rate mortgages.

HomeStyle Mortgages
Features larger loan sizes for homes in need of renovation, repair or remodeling.

SONYMA Remodel New York
Offered by the State of New York Mortgage Agency (SONYMA), this program features a competitive interest rate for first-time home buyers purchasing a home in need of improvement. Down payment assistance is available. Borrowers are required to meet certain income and purchase price limits.

All lending products are subject to credit and property approval. This is not a commitment to make a mortgage loan. Products not available in all states. Refinancing to reduce total monthly payments may lengthen repayment term or increase total interest expense.

NMLS #381076

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Complete this form to be contacted by a mortgage representative and to begin the pre-qualification process. There are no obligations or fees associated with getting pre-qualified for your M&T Mortgage.

This is not an application for credit, nor a request for pre-approval.