Information Disclaimer

**We are not affiliated with any mortgage servicer, the investor/beneficiary of your mortgage note, the mortgage insurer (if applicable) or any government agency. The information found on this page is for educational and convenience purposes only. The information found on this page should be considered as opinion and not fact based on our experience with lenders over 10+ years. Consult your mortgage servicer directly or a professional before using any of the information found on this site. If you are seeking an intermediary to assist you in getting help with your mortgage you may contact us at 888-934-3444 or via email at [email protected] for further review for a no fee, no obligation, consultation. If required you may be referred to a local professional or legal counsel for additional assistance with your mortgage. Please read through our Disclaimer page for additional details. We do not represent in any way any financial institution named on this page. If you feel that any of this information has become outdated or is incorrect please contact us immediately.**

M&T Mortgage Corp. Short Sale

M&T Mortgage RMA Short Sale Package

Mortgage Assistance Form.

Short Sale Decline Review

M&T Mortgage Short Sale Denied?

M&T Mortgage Short Sale

M&T Mortgage Short Sale Denied?

M&T Short Sale Negotiators. We're On Top.


M&T Mortgage Short Sale Process


In some cases depending on your investor you will have to first apply for M&T Mortgage loan modification:


  1. As an initiating process we place a call to M&T Mortgage and talk to their councellor to start the short sale process.
  2. You will have to submit the completed M&T Mortgage Request for Mortgage Assistance form.
  3. Property valuation will have to be completed by Broker’s Price opinion (Certain Investors Require Two Interior Inspections)
  4. Terms will be negotiated with M&T Mortgage About Short Sale Fees And Costs To Be Paid Out Of The Seller’s Proceeds.
  5. Lender (M&T Mortgage) Provides A Response To Short Sale Offer Made.


Anyone who has been through the short sale process with M&T Mortgage will know that the process is never easy with the company. A lot of turmoils have to be faced. Repeating the same steps over and over again is typical with the short sale negotiators. It’s part of the process to know that we will have to run around from department to department at M&T Mortgage. The Loan Modifiation Department maybe needs to close it out, or the M&T short sale department doesn’t have someone assigned to M&T Customers Service Department; Above all you need to know better when they are sending you in the wrong direction. Often clients come to us after submitting the wrong information on their application, getting denied, and not being able to figure out what happened. We can help you review any declines.

M&T Mortgage Short Sale Timeline

The timeline of M&T Mortgage short sale process depends on some simple factors and other some not so simple factors. These are just a few of the hoops we jump through when dealing with a short sale.

  • For one, M&T Mortgage only provides service of mortgage notes. M&T Mortgage’s mortgage division has to abide by the PSA or Pooling and Servicing Agreement that governs the loans. This contract is directly between servicer and investor. M&T Mortgage does not always have the option to make the decisions themselves. The investor has usually delegated the compny to make the decisions in some of the cases only so for the decisions that the company is not delegated to make they will have to get permission from the investor. Some investors such as Fannie Mae (FNMA) and Freddie Mac (FHLMC) have pulled almost all decision making authority from many servicers. As always the greater the number of hands in the put the more layers of burueacracy you’re going to deal with.
  • Additionally, The fact that whether your M&T Mortgage Corp. loan has a sale date or not also effects the timeline of M&T short sale process. When it comes to homes in foreclosure M&T Mortgage can be tough when it comes to stopping the sale for the M&T Mortgage short sale to be completed. If you can get a value completed often your chances improve your getting bumped up in the process. Remember that a company like M&T Mortgage has homes being sold at auction every day. Sale dates even for the coming week are not working with ugency. Remember this business is a first come first serve but it is also influenced by foreclosure status and proximity to the sale date.
  • Finally, not all negotiators are good negotiators. This goes for both sides. Often miscomunication In the banking world can lead to certain failure. People become very specialized in this niche of representing homeowners infront of M&T Home Mortgage in these financial application processes to find mortgage assistance. Often you will be put though the multiple levels of management including approval from an investor as mentioned above depending on what their total losses are.

M&T Mortgage Short Sale Timeline Conclusion: Your M&T Short Sale Timeline will vary based on many different factors. Decisions can be made in house will clearly be quicker than those that have to be sent out for appoval., what the value comes back at from the appraisal completed by M&T’s Loss Mitigation department received the M&T Short Sale Application documents are received (readble) and other factors will come together to effect how long it will take for your M&T Short Sale process to be Approved.

If Your M&T Loan Short Sale Was Denied There May Still Be Options.


How To Fix A M&T Short Sale Decline?

Often dealing with M&T Mortgage and how they deal with short sale buyers offers being declined may be confusing. Often they will not be clear not only as to why but if there is anything that can be done to fix it.  Here at ACG we review dozens of points in order to understand why your M&T short sale offer was rejected. Have us review your declined short sale for free by calling us at 888-934-3444.

M&T Mortgage Loan Servicing Contact Information

M&T Mortgage Customers

M&T Loan Servicing Complaints

M&T Home Mortgage Short Sale Reviews

M&TShort Sale Complaints

M&T Mortgage is a large company and the rules are literally changing every day. There are a lot of departments and even more hands in the pot of each case that making it through the system can be a real drag. It doesn’t have to be though and that’s where we come in. Give us a call and see how we can help you with your short sale. Call 888-934-3444.

M&T 1 Star Review:

I was mislead on what a loan motivation was by phone and was hassled by this mortgage after experiencing damaged from Hurricane Harvey. A representative from the company showed up at my home uninvited, many hassling phone calls and letters after arrangements were made with the company, rude customer service reps who acted as if they were doing you a favor by taking your call. After applying for the modification with all required documentation due to a 3 month deferment, the company required my check stubs pre-storm as if we received raises during the storm.

Kimm, Houston, TX

M&T 1 star review:

M&T Bank has the worst customer service I’ve ever experienced. They are at best rude but usually disrespectful and condescending. Their processes exhaust their customers by requiring unnecessary measures that any working person is unable to endure. Their website is painful to use and their phone service is agonizing. It would be in your best interest to find another loan service!

A.T, Valdosta, GA

Don't Be A 1 Star Review


Don't Be A 1 Star Review


M&T 1 Star Review:

My loan was purchased from M&T Bank (I made my first payment to them in June 2017). I have made several calls to them concerning my escrow and my taxes/insurance. It is hard to get anyone on the phone. Once they are on the phone one person tells you one thing and another person tells you another thing. I call. I get transferred from one department to another. You ask to speak with a supervisor. If you don’t hold forever waiting on one they don’t have one available so they have to transfer you then you get transferred to another department which isn’t who you need to speak with and need to be transferred again. They won’t give you a phone number to a supervisor or even an email address. They said, “I didn’t know if I am allowed to. You for them to call you back and we don’t make outgoing calls.” Please sell my mortgage to someone else! I am over it – customer service sucks – I can’t deal with all the petty stuff!

Jessica, Lawrencevile, GA

1 Star Situations Happen Every Day


ACG 5 Star Review:

Tried modifying my mortgage loan on my own, twice actually, but no luck. Until I called ACG. [I] got my loan mod approved and all is well.

Michael, Woodland Hills, CA

ACG 5 Star Review:

We were struggling trying to get assistance in keeping our home for over a year when I was introduced to ACG Today both my homes are modified and our family has a chance for a fresh start.

Patricia, Porter Ranch, CA

ACG 5 Star Review:

I have worked with [the] team personally and professionally referring them many clients over the past few years. If you need help with a loan modification, short sale, or want to avoid foreclosure I highly suggest you use Absolute Consultant Group!

Daniel, Santa Clarita, CA

You Know You can't Chance Being A 1 Star Review.

ACG Specialist Here To Help Your M&T Mortgage.

You Know You can't Chance Being A 1 Star Review.

ACG Specialist Here To Help Your M&T Mortgage.

M&T Mortgage Short Sale News

M&T Mortgage Foreclosure Process

**We are not affiliated with any mortgage servicer, the investor/beneficiary of your mortgage note, the mortgage insurer (if applicable) or any government agency. The information found on this page is for educational and convenience purposes only. The information...

read more

M&T Mortgage Deed In Lieu Of Foreclosure

**We are not affiliated with any mortgage servicer, the investor/beneficiary of your mortgage note, the mortgage insurer (if applicable) or any government agency. The information found on this page is for educational and convenience purposes only. The information...

read more