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^©2012 Manufacturers and Traders Trust Company. Member FDIC. All Rights reserved. Users of this website agree to be bound by the provisions of the M&T Bank website Terms and Conditions and Privacy Policy. Reverse Mortgages are available in DE, DC, MD, NY, NJ, PA, and VA. Consult your Social Security, Medicare or other financial advisor to determine how Reverse Mortgage payments may affect your particular situation. Also consult your tax advisor. You must also continue to occupy your home as your primary residence, keep it in good repair, with all taxes and insurance premiums up to date. Subject to the terms of your mortgage.