Homeownership is important. We're here to help first-time homebuyers navigate the mortgage process and make buying a home affordable, even if you have: Little money for a downpayment Little or "less-than-perfect" credit history .A recent job change To get started, call 1-888-253-0993 or visit mtb.com/mortgage. M&T Bank Understanding what's important Equal Housing Lender Cert n restrictions apply. Subject tocredit and property approa O2018 MET Bari Member FDIC. NMS# 381076 80890650