Whether you're in need of a reduced documentation loan, or any one of a number of Agency loan programs, M&T can help.

M&T's Agency Lite (LP SISA) Program
Featuring SISA flexibility and convenience with great conforming pricing

• No income or asset verification
• 55% DTI
• Available on purchase, rate-term and cash-out refi's
• Primary, second home and investment properties
• Interest-only available - single family / owner occupied

FNMA Alt-A Program

• SIVA documentation flexibility
• LTV's to 90%
• FICO's to 680
• 6% seller concessions at 90% LTV
• Non-permanent resident aliens - ok for primary residences. Certain restrictions apply.
• Available on 1-4 unit primary, 1 unit second homes, 1-4 unit investment, condominiums, PUD's and Co-op's in DC, MD, NJ, NY and VA

Other FNMA / FHLMC Programs include:

• FNMA HomeStyle
• FNMA MyCommunity^TM
• FNMA Standard Programs
• DU SISA
• FHLMC Home Possible^SM
• FHLMC Standard Programs