Construction financing with peace-of-mind.

30,000 CUSTOMERS
M&T knows construction lending.
Having provided over 30,000 customers with their new construction financing, M&T Bank offers years of experience most lenders can’t. At M&T we’ll help you understand the home building process, making you a more informed buyer, which can save you time and money.¹

Common Homebuilding Questions
- Minimizing cash down
- Minimizing your payment
- Paying off your loan years sooner

96% CUSTOMER SATISFACTION
We’re focused on you.
One thing our experience has taught us is the importance of focusing on you, our customer. This is reflected in our overall customer satisfaction rating of 96%.²

A 150 YEAR HISTORY
Here today. Here tomorrow.
There’s been a lot of turbulence in the housing and financial markets recently. That’s why it’s important to work with a lender you can count on. Among the top 20 banks in the U.S., with over $64 billion in assets and more than 150 years of experience behind us, M&T Bank is committed to construction lending.

M&T’s EasyBuild One-Close Construction Loan Program Features:

• The ability to combine land, construction and end loan financing in a single loan
• Downpayments as low as 5%,³ on jumbo loans too
• A wide range of end loan options including:
- Fixed rate mortgages with terms up to 40 years³
- Adjustable rate mortgages
- Bi-weekly loans that payoff years sooner and can save you thousands in interest
- Interest-only options to minimize your initial monthly payment⁴
- Jumbo loans – with construction terms up to 18 months
• Financing for 1-2 family homes, second homes, log, modular, panelized and timberframe homes
• Permanent interest rate protection that provides peace-of-mind
• Affordable interest-only payments during construction - with no PMI
• Lot Loans if you’ve found the right place, but not the right home
• A Mortgage Pre-Approval Program to help you determine how much you can afford, and what your payments will be, before you commit to a plan



^1. M&T does not endorse specific builders or lots, nor does M&T make representations regarding the quality of any builder’s work or materials. M&T advocates the value of homebuyers educating themselves regarding the home building process.
^2. Based on 2007 Retail customer survey data.
^3. Example assumes a simple interest rate of 6.50%, 7.14% A.P.R., $300,000 loan amount, 95% loan to value, 7.14% construction interest rate with a 12 month construction period, 120 payments of $1,953.87, followed by 97 payments of $1,806.37, 262 payments of $1,756.37 and a final payment of $1,754.16. Payments include principal, interest and mortgage insurance escrows.
^4. Interest-only mortgages provide significant advantages when used wisely. Please ensure you make an informed decision regarding this loan program by visiting www.mtb.com/aretheyforyou. Certain conditions and restrictions apply. Programs subject to change or discontinuation without notice.