M&T Bank Mortgage Assistance: Expert Help to Stop Foreclosure

Are you falling behind on your M&T Bank mortgage payments? You are not alone, and you do have options. Since 1997, United Capital Mortgage Assistance (UCMA) has successfully guided homeowners through the complex loan modification process, helping them avoid foreclosure even after they have been denied by their lender.

We understand that dealing with M&T Bank’s loss mitigation department can be overwhelming. Our 25+ years of experience means we know the specific requirements, timelines, and escalation paths necessary to get your application reviewed and approved.

Direct Contact Information for M&T Bank Loss Mitigation

If you are attempting to handle this on your own, it is critical to use the correct channels. Misdirected documents are the main cause of application delays.

• Mortgage Assistance Portal: Log in to M&T Online Banking
• M&T Single Point of Contact Phone: 1-800-724-1633
• Hours: Monday – Friday 8:00am – 9:00pm EST
• M&T Bank Loss Mitigation Fax: Note: Fax numbers vary by case and region. Always verify the current fax number with your assigned representative before sending sensitive financial documents.

Expert Tip: When speaking to M&T Bank, always ask for your “Single Point of Contact” (SPOC). Federal law requires them to assign you one person to manage your case, but you often have to insist on it.

Why Choose UCMA to Handle Your M&T Bank Modification?

Experience Matters. Foreclosure prevention is not a side service for us; it is all we do. For over two decades, we have developed a deep understanding of the internal guidelines used by major lenders like M&T Bank, Fannie Mae, and Freddie Mac.

• 25+ Years of Success: We have been saving homes since 1997.
• High Success Rate: For qualified homeowners who complete our program.
• We Are Not A Law Firm: We are expert consultants who focus strictly on the financial negotiation and underwriting aspect of your loan, which is often faster and more affordable than litigation.

A Real Success Story

“Today we signed our Loan Modification and saved our home because of your hard work. I cannot thank you enough.” — F.L.H., Louisiana | Verified UCMA Client

• With UCMA’s know how, expertise and experience, you can rest assure that your Loan Modification will go through smoothly. Call United Capital Mortgage Assistance Today 1-800-474-1407 for your Free Consultation or Contact UCMA Now.

Government Resources & Consumer Protection

We believe in empowering homeowners with verified information. In addition to our services, we encourage you to review your rights through official government channels.

• CFPB Mortgage Help: The Consumer Financial Protection Bureau provides a step-by-step guide to mortgage relief. Visit consumerfinance.gov/mortgagehelp
• HUD Approved Counselors: HUD tips to help you avoid foreclosure. HUD Tips
• File a Complaint: If you believe M&T Bank is violating mortgage servicing rules (Regulation X), you can submit a complaint directly to the CFPB.

Frequently Asked Questions (FAQ)

Q: Can I get a loan modification if M&T Bank has already started foreclosure? A: Yes. You can apply for a loan modification up to 37 days before a scheduled foreclosure sale. However, waiting this long is risky. The sooner you apply, the more protections you have under federal law to pause the foreclosure process.

Q: M&T Bank denied my application. Is that the final decision? A: Not necessarily. Wrongful denials are common due to calculation errors or “missing documents.” UCMA specializes in auditing these denials and resubmitting packages with the correct income calculations to overturn the decision.

Q: How does a modification change my loan? A: A modification typically targets a payment reduction by lowering your interest rate, extending your loan term (e.g., to 40 years), or deferring past-due amounts to the end of the loan.

Take Action Before It’s Too Late

Time is your most valuable asset when facing foreclosure. Do not wait for the sheriff’s sale date to get help.

Get a Free, No-Obligation Consultation Today. We will review your specific situation with M&T Bank and tell you honestly what your options are.

Call 1-800-474-1407 or Contact UCMA Online Now