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Debt doesn’t have to be a burden.
Consider M&T’s debt consolidation solution.

Are high credit card payments keeping you from reaching your financial goals?

By refinancing your mortgage with M&T Bank, you may be able to consolidate debt at a low fixed rate and:
Reduce your overall monthly payments
Utilize additional equity in your home to help finance a child’s education or make home improvements
Simplify your finances with one monthly payment
So work with a trusted mortgage professional that’s ready to help – even if you have “less-than-perfect” credit.*

*M&T acts as a broker, not a lender, with respect to certain loan products. **Balances and payments are estimates only and may not reflect the debt you actually have. The existing credit card payment assumes a minimum of 3% of outstanding balances are due each billing period. The personal loan example assumes a fixed interest rate of 13.25% and a 10 year term. The auto loan example assumes a fixed interest rate of 9.25% and a 5 year term. The existing mortgage assumes a fixed interest rate of 7.00% and a 30 year term. Savings results will differ based upon individual circumstances. Refinancing to reduce total monthly payments may lengthen repayment terms or increase total interest expense. ***The new mortgage example is based on a fixed rate of 6.981% with an APR of 7.10% and 360 principal and interest payments of $877. Example assumes an 80% loan-to-value ratio and a $132,000 mortgage amount. Example for illustrative purposes only. Rate in effect 6/22/07. Please call for current rates. ****Consult your tax advisor. Certain restrictions apply. ©2007 M&T Bank.

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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.