There are many financial decisions involved in purchasing or refinancing a home. The calculators we provide here can help you decide what type of mortgage is best for you, whether you are considering purchasing a new home or deciding if it is the right time to refinance. Of course, the calculators don't take into account all the factors that should be considered when choosing a new mortgage, they are designed just to offer assistance. The final decision should always be based on what's best for you and your individual situation.

Calculators for You

        How much would my monthly payment be?
        How much can I save with a 15 year mortgage?
        Can I save money by refinancing now?
        How quickly can I pay off my mortgage by making additional payments?
        Does it make sense to pay points to get a lower interest rate?
        Should I buy a home or continue to rent?
        Should I consider consolidating my debt with a cash-out refinance?
        Should I consider consolidating my debt with a home equity loan?

Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.


Privacy Policy | Contact Info | Site Security | Terms of Use | What to Expect

If you complete our online application, your request will be assigned to our Mortgage Loan Originator,
Lori Provencial, NMLS Registry Number - 463925


Give us a call or visit Colonial.

Colonial Co-operative Bank
6 City Hall Avenue
Gardner, MA 01440
Call 978-632-0171
Toll-Free: 1 877-258-1193

Colonial Co-operative Bank
1 School Square/Rte 12
Winchendon, MA 01475
Call 978-297-2447

Toll-Free: 1 877-258-1193


We strongly urge all Colonial Internet Banking Customers to CHANGE YOUR PASSWORD and
DELETE ALL COOKIES IN YOUR WEB BROWSER. Your security and safety is our first priority. Click to read more here.

Lost or Stolen Card?
Please report it immediately to 1 800-528-2273.

Colonial Co-operative Bank will never ask you to verify your personal or account information via unsolicited email or telephone calls. When in doubt, don't share!

Gardner Main Office

Open Mon-Wed 8:30-4
Thur 8:30-6 | Fri 8:30-5
Saturdays 8:30-Noon

Winchendon Office

Open Mon-Wed 8:30-4
Thur 8:30-6 | Fri 8:30-5
Saturdays 8:30-Noon