I had no problem with this company until now, other than an excessively high interest rate. We did not realize that we got a Equity Line. We thought we had a fixed mortgage. I have been trying to get this converted to 15 yr term. They will not even consider for 3 yrs. Now the problems has started. My payment is due on the 14th. As with any fixed mortgage you have a grace period. Not with M & T Equity line. If your payment is due on the 14th, it's has to be there by close of statement. If it arrives after the date. it's applied to... read full review »