M&T mortgage consumer beware If you are thinking of a mortgage, you must defintely avoid M&T bank. They will put clauses in their documents making your life miserable and threaten you later on to do all kinds of things to you. In addition, even if you are late one day in ten years to send your payment (within of course the grace period) they will start calling you with automated sytems! Be absolutely careful of their mortgage clauses! Do not just depend on my opinion. Search the web for related complains. They are a fourth grade bank of unprofesionals to deal with. I am in the process of refinancing and go with a better bank. read full review »