Makes moving easy and affordable.At M&T we know buying a house takes a lot of planning, but it doesn’t have to take a lot of money.

With FHA "nancing from M&T, you don’t need to worry about having a lot of cash on hand. M&T’s

FHA "nancing o#ers:

• The ability to move in with a low downpayment

• Fixed and adjustable rate mortgages

• 100% of your downpayment and closing costs may come from gift funds

• The seller has the ability to contribute a portion of the loan amount to pay certain closing costs

• 1-4 unit, PUD, 1-unit condo, modular and prefabricated home financing

• Higher qualifying ratios allowing homebuyers to qualify for high loan amounts

• Below-market interest rate available in many areas*

To "nd out more, contact M&T Bank today.

*Below-market rate is available for eligible borrowers purchasing a home. This is not a commitment to make a mortgage loan. All lending products are subject

to credit and property approval. Certain conditions and restrictions apply. Call for details. ©2015 M&T Bank. NMLS #381076. Member FDIC. MMC-DS282EQUAL HOUSING

LENDER

M&T’s FHA financing.

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