Search Log In > Buy A Home Refinance Mortgage Resource Center Manage Your Mortgage Mortgage Assistance Programs Learn about the programs we offer to help you through your mortgage and home equity loan hardship. We're here to help you. We’ll work with you to understand the issues affecting your ability to pay. From there, we can explore what assistance may be available to you and if you qualify for assistance. Please review our mortgage assistance options detailed below. If you need assistance, please contact us at 1-800-724-1633 and we will review assistance options with you. Information regarding your monthly income and recurring expenses (e.g. utilities, tuition, auto loans, credit cards, food and insurance) may be needed for us to determine which option may be appropriate for your situation. Please have the above information available when you contact us. Consider the Options Your eligibility for certain workout options will depend on your financial situation and the guidelines of your investor. Investors are government-sponsored entities like Fannie Mae/Freddie Mac or government agencies like FHA/VA that provide funds to back your mortgage or home equity loan. Home equity loans are M&T loans and not backed by GSE or FHA/VA/USDA. We’ll review those options with you to determine which works best for your situation. Options to Keep Your Home Repayment Plan Forbearance Plan Loan Modification Options to Sell or Transfer Your Home Short Sale Deed in Lieu For assistance finding a HUD-certified housing counseling agency, please call (800) 569-4287. How to Apply for Assistance To be considered for Assistance options, your first step is to apply. We’ll contact you to go over your options once we’ve received your completed application. Apply for Assistance Reassurance when you need it most. M&T Bank is committed to assisting our customers impacted by hurricanes, tornadoes, severe storms and flooding. Learn More Carousel controls Article Card Title: Four Steps to Consider When Evaluating Mortgage Forbearance Article Card Title: Infographic: What You Need to Know About Mortgage Hardship Assistance & Forbearance RESOURCES & INSIGHTS Four Steps to Consider When Evaluating Mortgage Forbearance In the aftermath of the economic turmoil and high unemployment levels created by the COVID-19 pandemic, lenders searched for ways to help customers weather the immediate storm. Read Article > RESOURCES & INSIGHTS Infographic: What You Need to Know About Mortgage Hardship Assistance & Forbearance If you are experiencing difficulty making on-time mortgage payments, forbearance may be an option for you. Read Article > View All Articles > Impacted by COVID-19? We’re here to help. Please complete the form to tell us how you’ve been impacted or review our COVID-19 resources. Mortgage and Home Equity Loan Hardship Form > COVID-19 Hardship Assistance F A Qs > Mortgage Forbearance Infographic (PDF) > CARES Act Mortgage Forbearance CFPB Video > Have questions? An M&T representative is happy to assist you. We can help you fill out your Mortgage Assistance Application or answer any other questions. Call us at 1-800-724-1633 Hours: Monday - Thursday: 8am - 9pm EST, Friday: 9am - 5pm EST Find a Branch > Read our F A Qs > Why Bank with M&T? We understand what’s important. That’s why we’ve built a banking experience with you in mind. Help us make your banking experience better. Send feedback CONTACT US 1-800-724-1633 Locations & ATMs Make an Appointment More ways to reach us ABOUT About M&T Careers Investor Relations Security Search Facebook Twitter LinkedIn Equal Housing Lender. Bank NMLS #381076. © 2021 M&T Bank. Member FDIC. All rights reserved. Not all products are available in all states. Privacy Sitemap Digital Service Agreement ESign Consent Terms of Use Disclosure: This is an attempt to collect a debt, and any information obtained will be used for that purpose. If you are in bankruptcy or received a bankruptcy discharge of this debt, this communication does not apply to you.