While buying a new home or refinancing can be exciting, people typically don’t look forward to applying for the loan. The mortgage application process has traditionally been lengthy, confusing, and mired in paperwork.

However, as technology has disrupted so many industries, the mortgage process has gotten a digital makeover, too. Whether you’re buying or refinancing a home, online mortgage applications make the process easier and more convenient than ever, giving you an instant pre-approval answer. Here are five reasons why your next mortgage application should be online.

1. Apply before your coffee gets cold

Whether you have some time before your next conference call or waiting for the kids to finish their homework, you can apply for your loan using your phone, tablet, laptop, or other device. In as little as 15 minutes, the app guides you through each step. When you’re done, get your answer instantly. No more waiting around for someone to decide.

2. Say “good-bye” to chasing paper statements

Follow the simple, intuitive prompts to guide you through the online application process. The app can import your financial data from your bank, wherever you are. No more searching for paper statements. Just input your information and the app does the chasing for you.

3. Need a nudge? No problem

If you do need to follow up with any additional documentation, such as income verification for self-employed people or documentation of a gift, the application tracks any additional required information you need to provide. Periodically, the app will send you reminders about open items, so nothing falls through the cracks and you can finalize your loan faster.

4. Get assistance when you need it

If you need help at any point in the process, an experienced loan expert is available to answer your questions or give you guidance. Whether you have a simple question or a complicated financial situation, the expert advice you need is just a phone call away to help you make decisions confidently.

5. Your answer is delivered instantly

Once you complete your application, you may receive an official M&T mortgage pre-approval letter. This digital document is just as binding as any other mortgage approval letter and will help you understand the loan amount for which you have been approved, so you can shop for your home or proceed with your refinance or remodel with confidence.

Online mortgage applications put you in charge, making buying or refinancing a home easier, faster, and more convenient. Apply when and where you wish, and when the time is right for you. Get the answers you need instantly, letting you make your next moves with confidence.

Apply online or contact a loan officer to start your mortgage journey.

For additional financial education resources for home buyers, visit our Financial Education Center.


All lending products subject to credit, property approval, and employment verification. Certain conditions and restrictions apply. Refinancing to reduce total monthly payments may lengthen repayment term or increase total interest expense compared with your current situation. Mortgage rates are subject to change without notice.

This article is for informational purposes only. It is not designed or intended to provide financial, tax, legal, investment, accounting, or other professional advice since such advice always requires consideration of individual circumstances. Please consult with the professionals of your choice to discuss your situation.



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