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Mike and Jill Kohler


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The top reason mortgage applicants nationwide get rejected is because they’re carrying too much debt relative to their monthly incomes. Fannie Mae will be raising its DTI ceiling from the cu ...
Despite rising home prices, it’s still cheaper to own a home than to rent, reports CNBC. But the toughest part for those who want to buy is actually finding a home. Inventory levels in Apri ...
4 Things first-time homebuyers need to know! Buying a home is likely the biggest purchase you'll ever make, and it's not always an easy one. Low inventory has pushed home prices up in citie ...
Several states are offering homeownership assistance programs to recent college grads that may help them receive thousands of dollars toward the purchase of a home. In New York, Gov. Andrew Cuom ...
Programs expand mortgage eligibility for those burdened by student debt Last week, Fannie Mae unveiled three new programs to help aid current homeowners and future homebuyers who are blocked from e ...
4 Tips on Building a Solid Credit History to qualify for a Pa Mortgage    Establishing a good credit history has never been as important as it is today.It’s not just that you& ...
Down payments are commonly cited as one of the most misunderstood parts of the home-buying process, as potential homebuyers hold off shopping until they can put 20% down on a home. HousingWire has co ...
Middletown residents Mike and Jill Kohler, owners of Net Equity Financial Mortgage of Langhorne, recently were recognized as the top real estate sales producers in 2016 ...
In a tough economy borrowers worry about foreclosure and bankruptcy, and the effects such issues can have on the ability to borrow. One big topic these days regarding FHA loans invol ...
Chances are, when you first bought your house, you may have been asked by a lender whether you wanted to escrow your taxes and insurance or not.  Usually to the new homebuyer, that begets a puzzl ...
One of the most important factors in determining if you can qualify for a mortgage is your credit score. Lenders typically use the “middle” score when qualifying your loan. There are 3 sco ...
Before applying for a Pa mortgage loan, Do Not make Major Purchases of any kind or take on any unnecessary debt if you can avoid it. Reason being that bills for appliances, jewelry ...
Getting a commercial loan isn't easy, but you can start the process off by reading thru these top tips.   1)  Have a business plan, with forecasts, projections, financial records and stat ...
Tips for First Time Home Buyers Hire a buyer’s agent to save you time and money If you are considering buying a home, hire a buyer’s agent. An agent will save you time in findin ...
When people look at their mortgage statement they think that is their payoff balance.  This however is not the case. Your mortgage payment is paid in arrears. For example, your July payment ...
17
2016
 
FHA loans are the new most popular mortgage loan. During the housing boom, subprime mortgages were all the rage. But as the housing market fell apart, lending standards tightened and the benefits of F ...
One of the most important factors today in getting a Pennsylvania mortgage is knowing your credit score and history.  Your credit is going to determine a lot of things, whether you can get ...
It’s been about 8 years since inventories oh home sales have been so low.  A six month supply of homes for sale is considered normal, however we are at a 4.2 month supply right now.  ...
After the downturn in the housing market several years ago, a lot of homeowners struggled to make their mortgage payments. Many eventually lost their home to foreclosure, walked away or were forced ...
As the summer weather goes, so goes the Real Estate Market..... In Bucks County, Pa the market has been red hot lately. This May, according to Trend MLS, the leading market source, there were 55 ...
Funds for closing when you’re buying a home Whenever you are buying a home utilizing a mortgage, your lender is going to need to know where your funds that will be used for the down p ...
I am often asked this question during a refinance from homeowners.   Your mortgage payment is paid in arrears.   For example, your February payment is paying January’s intere ...
A condominium offers man advantages of home ownership with fewer of the hassles, unless you are talking about getting a mortgage for one.   Mortgages for condominiums have special rules that do ...
The interest rate for an ARM is a fixed percentage for an initial period of time, usually 5 to 7 years.  Then it adjusts depending on an economic index such as the Prime Rate or Treasury securiti ...
Outdoors and general curb appeal items provide the best return on investment in the Philadelphia market.  But don’t forget about the indoors, a kitchen remodel is still one of the top items ...
Saving for a down payment might be tougher than it has ever been.  After the housing crash a few years back, many conventional lenders increased their down payment requirements to 20%.   ...
Even though lenders hire appraisers, there are still steps you can take to improve the quality of your appraisal.  Get your money’s worth and ensure that the appraiser has a residential app ...
It’s been a month since you closed on your mortgage loan.  You’ve gotten everything unpacked,  rooms painted, and hung the pictures.  Then you receive notice from your mortg ...
Many people are not sure if they should sell their current home first, or if they should start shopping for a new one.  It’s basically the chicken or the egg.  The best way to do it is ...
Middletown couple helps first-time homebuyers accomplish ‘The Dream’ May 27, 2014   It’s the classic example of which came first, the chicken or the egg?  “I&rs ...
Real estate market activity has slowed down during December and January.  It seems that the harsh winter may have had a negative impact on the housing market.  Sales in January were 3.5% bel ...
Home prices are projected to rise in 2014, but at a slower more steady pace compared to historical trends.  The housing recovery has pused home prices up almost all over the country.  Prices ...
There may be some green this Christmas, after all. Retail sales in November got a surprise lift, rising 0.7%, the biggest gain in five months, the Commerce Department said on Thursday, raising hopes f ...
26
2013
 
May all the good things in life be yours in abundance throughout the coming year.  We hope you and your family have a great Thanksgiving! ...
Americans looking to buy newly built homes evidently brushed off concerns about the government shutdown in October, pushing up sales to their highest level in fourth months on the lure of lower prices ...
Existing home sales rose strongly in July 2013  marking the 17th straight month of higher prices according to the (NAR)  National Association of Realtors. In the Northeast, the median price ...
A major cause of the housing crash in 2006 and 2007 were poorly documented mortgages and very loose lending standards that contributed to the 4.9 million defaults that ended up in foreclosure, costing ...
The amount of outstanding student debt is nearly $1 trillion. And a recent report from the New York Federal Reserve shows that debt is having a negative impact on the U.S. economy. The housing market ...
A new bill will attempt to eliminate all upfront fees and appraisal costs for refinances, prohibit second-lien holders from unreasonably hindering refinances, and penalize mortgage insurers who refuse ...
Homebuilders were a lot busier in February than they were a year ago, starting construction on 27.7 percent more units, according to Inman News. Aside from the 982,000 mark seen in December 2012, ...
Qualifying for Conventional mortgage after Bankruptcy:  With Chapter 7 bankruptcy you need to wait for 4 years before which you can qualify for a conventional mortgage. With Chapter 13 bankrupt ...
Some of the pros in purchasing a condo are the maintenance issues.  If you hate mowing the lawn or fixing things, you’ll find that if you purchase a condo a lot of the maintenance is done f ...
Beginning on 3/1/13 Fannie Mae and Freddie Mac are allowing many homeowners (even if they’ve been making on-time mortgage payments) to apply for a deed-in-lieu of foreclosure.  Until just r ...
April 1 FHA Changes The FHA has announced some significant changes to its programs and policies making it more costly for borrowers.  Some of the changes are: Higher mortgage insurance prem ...
The Consumer Financial Protection Bureau has adopted a new rule that lenders must provide free copies of the appraisal of your home or of the home you want to purchase prior to the closing.  The ...
Establishing a good credit history has never been as important as it is today. It’s not just that you’ll need good credit to get decent rates when you’re ready to buy a home or a car ...
A seven-year waiting period is required, and is measured from the completion date of the foreclosure action as reported on the credit report or other foreclosure documents provided by the borrower. Qu ...
A pre-foreclosure or short sale is the sale of a property in lieu of a foreclosure resulting in a payoff of less than the total amount owed, which was pre-approved by the servicer. The waiting per ...
There are some proposals being considered by the government for making qualifying for FHA loans tougher and costlier.  Here are some of the considerations.   Downpayments being raised ...
Do you feel like you need to remodel?  Have you lived with the small bathroom and outdated kitchen for too long?  Just remember after you secure your financing with a refinance or home equit ...
If you are an heir to Pa Real Estate and you would like to keep the property, you can refinance into a new mortgage loan as well as take title to the property from the estate at the same time.  I ...
Did you know that if you make one extra mortgage payment per year, you would typically reduce the term of a thirty year mortgage by about 7 years.  By doing this you could save thousands of dolla ...
You don’t have to be a farmer to get a USDA home loan, however you do need to live in a rural area or a rural part of a suburban area.  Income is one of the most important criterias for the ...
Did you know some mortgages are assumable?  This means that the seller of the home has the ability to transfer their mortgage to the new buyer.  Both FHA and VA loans have this feature, and ...
You can be a big help by agreeing to co-sign a loan or becoming a co-borrower on a loan to someone who doesn’t have established credit.  But co-signing or co-borrowing is serious business.& ...
Most people begin their purchase or refi process by looking up their homes value on one of the popular online tools, such as Zillow, Trulia, or Yahoo.  These tools are great for getting a rough e ...
What is an APR?  This is the annual percentage rate.  The APR is the true interest rate you’ll pay over the full term of the loan.  Many people confuse the APR with the interest r ...
Should you get yourself prequalified for a mortgage loan?  In most cases, the answer is yes.    This process allows lenders to look at your financial situation and recommend an est ...
The 2013 housing market starts strong for sellers.  When the pending home sales index is above 100, it suggests that the current housing market is outperforming the market from 2001.  2001 w ...
VA loan volume has hit an 18 year high during the fiscal year that ended in September, according to the Dept. of Veteran’s Affairs.  This is a substantial increase, and another sign that mi ...
WASHINGTON (MarketWatch) — U.S. house prices in December were 8.3% higher than a year earlier, the strongest advance since May 2006, CoreLogic said Tuesday. But the data also show the considerab ...
If you are going to consider a duplex, triplex or fourplex and reside in one of the units, FHA is a possible financing option for you.  FHA still allows a 3.50% downpayment, as well as gift funds ...
Owning a home still brings pride, equity and tax advantages.  If you plan on sticking around for more than 5 years, it’s worth considering buying rather than renting.  Mortgage rates a ...
The Consumer Financial Protection Bureau has decided what it means for the definition of a borrowers ability to repay a mortgage loan.  Effective next January the bureaus new rule requires lender ...
Hud has announced that cancellations of FHA mortgage insurances is over. Previously you were able to cancel the mortgage insurance when your principal balance reaches 78% of the original principal bal ...
FHA loans are the new most popular mortgage loan.  During the housing boom, subprime mortgages were all the rage.  But as the housing market fell apart, lending standards tightened and the b ...
Mortgage rates remain at record lows, yet the housing market remains weak.  Low interest rates aren’t helping the housing market anymore.  With the rates are record lows and the econom ...
What does the recently re-elected president’s 2nd term mean for the housing and real estate market.  There wasn’t much mentioned about the housing crisis.  President Obama did st ...
The median down payment for all homebuyers in 2012 was 9%.  Down payments have many benefits, they reduce the principal owed and they lower the interest paid over the life of the loan.  It a ...
Before you decide to buy a house and get a mortgage, think of these tips.  Make sure you make your payments on time in the months preceding your initial mortgage application.  Make sure you ...
One of the most important factors in determining if you can qualify for a mortgage is your credit score.  Lenders typically use the “middle” score when qualifying your loan.  The ...
Getting a pre-approval before you begin the home buying process is almost a prerequisite.  First it helps you know you much you are able to offer.  Your real estate agent won’t be conc ...
When an appraisal comes in low when applying for a Pennsylvania mortgage, here are a few things to consider. First check the report for accuracy in the details. Make sure the rooms are calculated corr ...
When is the right time to refinance? If you’re current mortgage rate is in the mid 4’s or higher or if you are currently in an adjustable rate mortgage, or if you are considering shortenin ...
Congress has extended the ability for homeowners to deduct mortgage insurance thru 2013.  With the passing of the American Tax Payer Relief Act of 2012, homes with private mortgage insurance, FHA ...
Freddie Mac published their national average mortgage rates and they are virtually unchanged. The average interest rate fell to 3.38% from 3.40% on a 30 year fixed loan. As long as the Fed keeps buyin ...
Mike and Jill Kohler of Middletown were recently designated by the Franklin American Mortgage Co. as accredited Pennsylvania Housing Finance Agency mortgage lenders. The Kohlers are co-owners of Net E ...
Mortgage rates in Pennsylvania have held steady into 2013 as the new year begins.  Pa Refinance rates currently are in the 3.5 to 3.875 range on a 30 year fixed rate mortgage for well q ...
In November 2012, signed contracts by Americans increased to it's highest level in about 2 1/2 years.  This is one of the latest signs of improvement in the mortgage and housing market.  Hom ...
There are both positives and negatives in doing this.  By withdrawing money from your 401k you will have to pay early withdraw fees as well as taxes on the money you take out.    O ...
According to a recent National Association of Realtors press release, pending home sales rose in July to the highest level in more than 2 years and is above this same time last year. One thing very di ...
The Federal Reserve recently took its strongest step to date by launching a new stimulus program aimed at firing up the housing market. The central bank said it would immediately start buyin ...
With some many homes and properties on the market, you can make yours stand out by selling your “neighborhood” as well.  After all, people are not only buying a house, they are buying a community.  Th ...
Stress accompanies a real estate sale for most people. There are many steps to buying or selling a home. Navigation throughout this process can be tedious and trying even for seasoned buyers and selle ...
Do’s 1)     Make sure you can afford to take on the costs of an investment property.  Anticipate the months you may have to make the mortgage payment or fix things in the house.  2)     Make sure y ...
A home has 60 seconds to make an impression, so you need to make a great impression quickly. About 40% of the actual buying decision is based on curb appeal, then the next 20% of the buying decision ...
When people start shopping for a house, the first thing they want to see when they walk into the home is they want to envision themselves living in it.  Most people can’t see past old, dated décor, ...
Buying or selling is a big financial decision in your life. Try and find a real estate agent that specializes in your area of need.  Single family condos, townhouses, specific neighborhoods.  Look at ...
    Before Buying a home or applying for a Pa mortgage loan, Do Not make Major Purchases of any kind or take on any unnecessary debt if you can avoid it. Reason being that bills ...
Here is our latest Real Estate Newsletter. Pennsylvania Schools are a hot topic these days. Check out latest stories. Get info here ...
Check out our Facebook fan page redesign. Over 1700 people have "liked" our page and more are everyday. It's full of useful information. See if you like  it also. ...
Here are Bucks County Real Estate Market Statistics Q4. The 2011 Median Sale Price was $255,000, which is approximately 90% of original listing price. The average sales price was $303.921.  The Averag ...
To put it plain and simple, rarely does a strike affect property values favorably for two reasons.  The first is that prospective homebuyers tend to treat homes for sale in these markets as "distresse ...
The Bucks County Pa real estate market overall is hanging in better than the other areas across Pennsylvania. Last year in Bucks County, we had a record number of sales transactions as compared to the ...
Century 21 Real Estate, the largest residential real estate sales organization, celebrates 40 years of providing assistance to help people mke one of life's largest financial decisions- buying or sell ...
Hire a buyer’s agent to save you time and money This should be an important consideration if you are considering buying a home. For starters, since the seller usually pays the whole commission (i ...
There are many practical reasons to own a home or trade up (or down) to your next home. Paying rent isn't likely to get you rich.  Sure, there are reasons to rent, but if you're starting or have a you ...
One of the most important tips in purchasing a home, that homebuyer's often overlook, is the financing.  Most people forget the fact that they should get their mortgage loan pre approved before they s ...
If you're on the fence going into summer deciding whether you're going to try and sell in this market,You'll want to present your home in it's best light as inexpensively as possible. Here's 10 cheap ...
This weeks rate drop produced a spike in real estate related activity.  I've talked to a number of people searching our website for the right home. One of the biggest concerns we're hearing right now ...
 “   Is now the right time to sell our house?”       said the nervous woman I spoke with on the phone.   “Hmmnn….well, I answer, the straight answer is…that depends”.   “On w ...
As we remember our fallen hero's, Memorial Day weekend is also a great time to take a breather from the busy schedules we all have. Whether you're visiting distant relatives, going on vacation, or sim ...
It's not time yet. There are far too many great Bucks county properties on the real estate market looking for a new owner.  You wouldn't want to go without accomplishing that dream of homeownership so ...
Get our updated Spring Market Report on Pennsylvania real estate for sale by county. Our report is packed full of market by market information that can help you answer questions and make decisions whe ...
Search our free database of new listings from Century 21, Coldwell Banker, Keller Williams, Long and Foster, Weichert, Weidel and many other Pennsylvania real estate agencies in Bucks County.  Lists i ...
With the housing prices still extremely low, and interest rates at an all time low, today's buyers are finding great deals in the spring real estate market!  If you are considering moving now's a grea ...
Along with temperatures, the Bucks County Pa real estate market is beginning to heat up.  If you have your eye on a property and need a buyers agent to assist you, or you are looking for the perfect l ...
We're hoping it is. But either way, this weekend is a great time while stuck inside to start that search for your perfect home.  Interest rates are still low and you can get a FHA mortgage with 3.5% d ...
Finally, you can feel Spring in the air in Pennsylvania. The real estate market is beginning to heat up as buyers and sellers consider their housing options. There is a good supply of homes on the mar ...

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What my clients are saying  

PLEASE TAKE A MOMENT TO READ OUR REVIEWS BELOW FROM OUR SATISFIED BUCKS COUNTY, PA REAL ESTATE AND MORTGAGE CLIENTS!

 

~ 2017

Michael is very genuine & honest . He goes the extra mile & always has your best interest in mind . If i have any additional lending or Realtor needs , Michael will be my first choice !

 

~ M. Jones, Morrisville Pa

Jill was very knowledgeable and helpful during my first home buying. She answered any questions or concerns I had. She was able to walk me through the process from beginning to end and he never rushed or pressured me to make a decision on the house. I would highly recommend using Jill as a real estate agent

 

~ Denise L, Bensalem Pa

Jill Kohler is remarkable. Not only did she do her job she went above and beyond to help us with refinancing our home and that in itself was a huge project. Unlike many others she stuck with us and helped us every step of the way to refinance our home. SHE IS DEFINITELY TOP NOTCH IN OUR BOOK! We really can't thank her and her associates enough

 

~ Jen Biddle, Levittown Pa

Mike assisted me with financing the purchase of a condo. From beginning to end he was very responsive to my needs, extremely knowledgeable and helpful about the real estate market and just a pleasure to work with in general. He anticipated and communicated each step in the process of mortgage financing and made it easy for me to understand and qualify for a mortgage. I would work with him again in a heart beat and strongly recommend them to anyone shopping for real estate or a mortgage. Thanks Mike!

 

~ Bob M, Yardley Pa

Jill is a great person to work with. We refinanced our mortgage and Jill was very persistent on getting everything done. The entire process took about 5 weeks from beginning to end. She knows her stuff and answered any questions we had. I would highly recommend working with her.

 

~ Dawn S, Fairless Hills, Pa

Jill was awesome to work with. She told us what we needed up front things went as smooth as possible. Jill would always keep us in the loop never a guessing game. Thank you so much.

 

~ Frank B, Langhorne Pa

Mike and Jill Kohler are the ultimate professionals in the real estate world. Mike and Jill guided us through the entire home-buying process from beginning our search, to understanding our price range (based on credit and income), to finding houses for us, to scheduling walk-throughs and taking us to the houses (sometimes 6 or 7 in a night), to evaluating the properties (to ensure it is worth what they were asking), to making the offer, to finding the best mortgage rate and walking us through the mounds of paperwork, and helping us through all the inspections and requirements that lead to settlement. Buying a house is not an easy process and Mike and Jill Kohler made it as simple and pain-free as anybody could and we could not have asked for a better team!!

 

~ Jim & Wendy, Bensalem Pa

Mike is a very personable, trustworthy professional. I have worked with him in several capacities over the past 20 years and have appreciated his professionalism, confidence and overall good nature.

 

~ Bill D, Langhorne Pa

I have talk to Mike several time for advise and he was honest and very knowledgeable on my situations. I would recommend him because he walks you through without making you feel confused.

 

~ M Deon, Yardley Pa

I was a first time buyer and Jill made it as easy as can be. It was overwhelming but she guided us through to the best of her abilities. Her honesty was key and made me feel very comfortable. The process of buying a home was all brand new to me and without her guidance I would have been lost. She was very professional and new all about the information I had questions with. I would recommend her to anybody when buying a home.

 

~ Anthony B, Levittown Pa

I have worked with Mike on several occasions. Both with helping to finance my primary residence, but also to seek advice on refinancing, and the possibility of purchasing other properties. I have always enjoyed working with Mike and he has become a trusted advisor. I highly recommend him!

 

~ John K, Upper Makefield, Pa

The entire process of buying a house, even when you've done your research as I had done, can be unavoidably frustrating and nerve wracking. Jill was there to walk us through every stage, from the agreement of sale, to building inspection, repair requests, to final walk-through, to settlement day. Being a person who does everything in advance, Jill was there to calm me down when I was frustrated by sellers who were, in my eyes, slow to respond. She was continuously an integral part of the process, always pushing the sellers and their agent for the information we needed. Having met 3 other real estate agents in the past, I can say undoubtedly that if you want to find a house that meets your needs, that Jill Kohler is the best person for the job. She's more concerned about your needs as a buyer, than trying to pressure you into buying something you don't quite want.

 

~ Jimmy Mac, Levittown Pa

Jill, I cannot thank you enough for all of your hard work. You listened to what I wanted. We worked out a plan and were able to accomplish my goals. You made the process simplier than I could have imagined. And the communication was amazing. I will definitely refer you to my friends and family. Thank you for everything.

 

~ Wendy W, Langhorne, Pa

Jill was truly a godsend! She helped us sell my elderly in-law's home, which wasn't easy since we live an hour from the property. No task was too big or small to help us sell in a timely manner. Jill had a strong grasp of local real estate markets, and helped us price and market the property quickly. She also kept an eye on the house in our absence, and kept us informed every step of the way. We simply can't recommend Jill more highly!

 

~ S Fiorentino, Langhorne Pa

Jill and her husband helped me through a very tough time selling my mother's home. Being a good real estate agent is a great thing and they both were but it is even better when they really support you through it as well. I would highly recommend them.

 

~ Chris S, Langhorne Pa

We were lucky to find Jill. We had a house floundering on the market (as plenty were at the time) and decided to change realtors. We gave Jill a call. She gave us great advice on staging and even provided us with some of her own things to help with the staging process. She took great photos of our home and we had the house sold a short time later. My husband calls both Jill and Mike with questions about real estate and they are very knowledgeable and always available to us and we really appreciate it! I would recommend Jill Kohler to anyone looking to buy/sell a property.

 

~ Joann O, Levittown Pa

Jill did a great job understanding exactly what I was looking for. She arranged a full day to see numerous properties that met my requirements. We found the perfect property the first day that we started looking.

 

~ Tim K, Yardley Pa

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