M&T offers a full array of products in the contiguous 48 states and the District of Columbia including:

FHA 203(b):   
  - Standard
  - High Balances
  - Streamline Refinance

Conventional:   
  - Fannie Mae and Freddie Mac Fixed and ARMs
  - Agency High Balances
  - Freddie Mac Home Possible and Fannie Mae Homeready

A full array of Renovation products:
  - FHA Standard 203(k) 
  - FHA Limited 203(k)
  - Fannie Mae HomeStyle
  - High Balances 

Other government offerings:
   - VA
   - USDA

Other programs that are available in limited geographies include:

M&T Portfolio Jumbo products in the states of CT, DC, DE, KY, MA, MD, ME, NH, NJ, NY, OH, PA, RI, VA, VT and WV:
   - Jumbo and Jumbo Renovation

Co-ops in the states of DC, MD, NJ, NY and VA under the following:
   - Fannie Mae, including High Balances

Down payment assistance (called a DPAL) from SONYMA can be partnered with first mortgages in the state of NY with the following:
   - FHA Plus
   - Conventional Plus