Jay Robins - The Koa River Group powered by E...
Spiritually Aligned Real Estate Financing
Most mortgage interactions feel transactional—rate, form, closing. That’s not how I work.
I’m Jay Robins, a 26-year mortgage veteran and Chief Peace Officer at The Koa River Group. I specialize in residential financing for homebuyers, home... Show More
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8 AM to 5 PM
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8 AM to 5 PM
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Reviews from Web
Just had to leave this recommendation and feedback on working with Jay. He helped us with a very long-drawn-out, complex deal that we had to work woth. It included a lot of land, a ranch, 300+ acres with two homes on it, which adds a lot of...
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Reply from Owner
August 20th, 2026 12:00 AM
Hi Paul, Thank you for your patience and energy in this process. It was helpful as we got through those obstacles. Looking forward to spending time on that land at some point!
I had a unique situation on my refinance due to being self employed, and having started up a new business within the past year. We had to jump through a lot of hoops due to this but Jay was able to make it happen. I will be using him for funding...
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Reply from Owner
August 20th, 2026 12:00 AM
Thank you for the opportunity to serve you Logan. I'm here to help if you want or need
Working with Jay was one of the easiest and most seamless processes. We have experienced both in only company as well as in our personal financial endeavors.I highly recommend him and his company for all of your financial investment needs
Reply from Owner
August 20th, 2026 12:00 AM
Thank you Jenn, wishing you great success as you build your business. Looking forward to helping you with the new house build when you are ready
I had an excellent experience working with Jay as my mortgage broker. He was very professional, knowledgeable, and always available to answer my questions throughout the entire process. They made everything easy to understand and worked hard...
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I was able to get a good loan with all I need to get my credit paid off and have a low payment and still have money I can use for an investment. Jay really guides you on a personalized plan. He takes the time to see what you really need and...
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Reply from Owner
August 20th, 2026 12:00 AM
Thank you Jessica, it was a pleasure to serve you and looking forward to working with you again!
Jay was awesome, I had gone through multiple lenders trying to get a 2nd position HELOC and he got me loan terms right away and the process was exactly what he said it was. Closed around 14 days later. I will definitely use him again.
Reply from Owner
June 8th, 2026 12:00 AM
Thank you Devan, I'm glad Bo put us together. m happy to give you continued support as you grow your real estate portfolio!
In what is normally a hectic time with information and money being thrown around, Jay was the calm within the storm. Calmly and easily explaining processes and information so that both myself and my wife could understand. Not only was his mannerisms...
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Reply from Owner
June 8th, 2026 12:00 AM
I'm glad it worked out and thank you for you kind words. I hope you are feeling good as you settle into your new home!
Jay Robins was awesome!He made the process effortless and smooth and was extremely helpful, especially for a first time home buyer like myself. I would highly recommend him to anyone.
Reply from Owner
June 8th, 2026 12:00 AM
Thank you for that Laura. To many memories in your new home. Blessings to you and your family!
I have purchased 6 houses in my lifetime and this experience was by far the best. I appreciated Jays holistic approach to the entire process. It wasn’t just about the purchase, it was about me as a person and ensuring that I had minimal stress...
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Reply from Owner
June 8th, 2026 12:00 AM
Thank you for trusting me me Andrea. I am here to serve you and anyone else you know that may want or need my help!
What I like most about my experience with jay he was very patient he always said all good I extremely recommend him to my friend and family member
Reply from Owner
June 8th, 2026 12:00 AM
Pierre, brother, thank you for trusting in me. "Its all good" Blessing to you and your family
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About
Most mortgage interactions feel transactional—rate, form, closing. That’s not how I work.
I’m Jay Robins, a 26-year mortgage veteran and Chief Peace Officer at The Koa River Group. I specialize in residential financing for homebuyers, homeowners, and investors (1–4 units nationwide).
My approach is different: spiritually aligned, rooted in clarity, integrity, and long-term thinking. I’ll tell you when the best move is no move at all, and I structure loans around your life—not commissions.
I help with purchases, refinancing, HELOCs, and investment strategy. No pressure—just partnership.
Book a free 15-minute mortgage check-up for clear, honest guidance.
Products & Services
Mortgage Broker
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Home Renovation Loan
Home Equity Loan
Mortgage Refinance
Reverse Mortgage
Mortgage Loan Application Assistance
Mortgage Rate Shopping Assistance
Specialities
Real estate financing on Primary, 2nd home, Investment and Commercial throughout the U.S
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Memberships
- EOS Fitness
- YMCA
- Costco
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1999
Time Zone
Eastern Standard Time (EST)
Licenses
- E Mortgage Capital, Inc. NMLS# 1416824. Equal Housing Lender NMLS consumer access: https://www.nmlsconsumeraccess.org/
- Jay Robins NMLS # 699252 An Equal Opportunity Lender https://www.nmlsconsumeraccess.org
Videos
Hobbies
- Spending time with my 2 sons
- Weight training
- Basketball
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Disclaimer
©2026 | E Mortgage Capital, Inc, DBA E Mortgage Capital | NMLS #1416824 | For licensing visit: http://nmlsconsumeraccess.org/ | 3750 S Susan Street, Santa Ana, California 92704 | (855) 569-3700 | Not affiliated with any government agency. For Advertisement Purpose Only. This is not a commitment to lend. All loans are subject to underwriting approval. Terms and Conditions apply. Not all borrowers or properties will qualify. Rates, terms, programs, and availability are subject to change without notice, and may not be available in all states. Other restrictions and limitations may apply. E Mortgage Capital, Inc. is licensed to conduct business in the states in which it operates. For licensing information and consumer access, please visit www.nmlsconsumeraccess.org. Equal Housing Lender.SEO Directory
E Mortgage Capital, Inc. is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or any other protected class. All Rights Reserved.
By refinancing your existing mortgage, your total finance charges may be higher over the life of the loan.
Debt Consolidation is taking your high-interest debt and rolling it into a lower-interest mortgage loan. By refinancing your existing mortgage, your total finance charges may be higher over the life of the loan.
Not affiliated with any government agency.
The information provided by this payment estimators or mortgage calculators is intended for illustrative purposes only. The calculated results shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional. E Mortgage Capital, Inc is not responsible for the content and/or accuracy of rates, APRs or any other loan information factored in the calculations.
Certifications for EMC Loan Officers and/or brokers are internally issued by E Mortgage Capital and do not extend beyond the organization. Certification is granted after a predetermined number of loans of the applicable type have been successfully completed and funded.
For reverse mortgages the borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance, homeowner's insurance and ongoing maintenance (which may be substantial) in accordance with FHA requirements. We do not establish an escrow account for disbursements of these payments. Failure to meet these requirements can trigger a loan default that may result in foreclosure. The loan must be paid off when the last borrower, or eligible non-borrowing surviving spouse, dies, sells the home, permanently moves out, or does not comply with the loan terms.
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