Chapman Agency
Mike and Jill Kohler

Search for homes
search for a home

whats my home worth
home value request
home value request
free preapproval

free preapproval
get pre approved
free preapproval free preapproval
home value request

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 short sell their house for a loss.  None of these occurrences left their finances or credit in a position to purchase another home so they became renters.  Fast forward 4 or 5 years later to today. The economy is in a better place. The real estate market is in a rebound and many of those people have become gainfully employed again. Despite those past setbacks, the majority of them are hoping to again one day buy another home of their own. Is this just wishful thinking?  Perhaps not….

Mike and Jill Kohler, owners of Net Equity Financial, a mortgage and real estate services company in Middletown think it’s not only possible, but likely for many.  “There is a good segment of the population that are a lot closer than they think to owning a home again.  The first step is overcoming the financing challenge” says Mike Kohler. “If you have been renting and are able to document your rent terms with your landlord for the last 12 months, that will go a long way toward your goal. There is always a supply of nice homes on the market, but the overall goal is to help you find a home that you like, can comfortably afford, and get the financing you need to own instead of rent.”  One of the biggest benefits that Net Equity offers their clients is the ability to shop mortgage loans at a lot of wholesale lenders with only one application. “We deal with 40 to 50 different banks, FHA, Freddie Mac, credit unions, and wholesale lenders at any given time. Although a lot of lending today is computerized and straightforward, the value is in knowing where to go with what type of loan. I may be working with a marginally qualified client that I know can afford the house who will get turned down by 35 of those lenders, but it’s having the right funding source to match the type of borrower that matters.” says Jill,  And when that happens, It results in a great deal of happiness for our clients as they become homeowners again.

Many first time home buyers also fall into a similar challenging category that Net Equity Financial also service. It’s the classic which came first, the chicken or the egg.  “Ok, I’ve graduated from college, finally found a decent job with some long term prospects at a company I’ve been at a little while. and I’ve been able to bank a few bucks.  I know I want to buy a house rather than keep paying rent but am I really going to qualify for a mortgage??  Net Equity’s answer. “You just might. But more importantly, the goal is to make sure you can truly afford the home so you don’t become part of a future statistic.”  The Kohlers mention they’ve had clients who from their initial contact have been approved, found a house they love and settled within 30-40 days.   

Net Equity Financial is a mortgage company located 2267 Langhorne-Yardley Rd in Middletown, Pa.  They are also affiliated with Century 21 Chapman Agency Real Estate also of Middletown.

Their websitesare Office number is 215-741-3131.  They are licensed by the Pa Dept of Banking NMLS #144477 and licensed Realtors by the Pa Real Estate Commission. 

Source: Mortgage News Wire

search for a home
search for homes
search for a home

home value request
home value request

free pre approval

get prequalified



Quick Search


Contact Me




What my clients are saying  



~ 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

More Reviews

Want to Know How Much Your Home is Worth?

Get Your FREE Home Market Analysis Report Right Now!