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
Location & Business Hours
Business Hours
Tues
8 AM to 5 PM
Wed
8 AM to 5 PM
Thu
8 AM to 5 PM
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Reviews from Web
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
I would like to say Jay Robins was excellent. He went above and beyond to make sure I understood all the steps throughout the process of buying my first property.
Reply from Owner
June 8th, 2026 12:00 AM
It was pleasure to help you and your Dad. We made a great team!
I'm grateful for the help and support that Jay and his teamed provided to get my loan across the finish line! Additionally, I am grateful for the support and friendship developed outside of the loan. The process was very personalized and added...
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Reply from Owner
June 8th, 2026 12:00 AM
Thank you for giving me the opportunity to serve you, Reggie. Thank you for your service to our country. Keep in touch!!
We recently bought a house in Eustis, FL. Jay was very professional and extremely helpful with all the process.. was my first time buying a house but we did business with him before to my husband’s house and we were very happy with his work....
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Reply from Owner
June 8th, 2026 12:00 AM
Thank you Sandra! I hope you are enjoying it. I am here for you if you want or need anything!
Jay did a fantastic job getting our loan approved. I have purchased and sold 6 homes in my liftime and this was by far the most easiest and less stressful process I have ever experienced. Jay communicated every week to give us an update on...
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Reply from Owner
June 8th, 2026 12:00 AM
Thank you for giving me the opportunity to serve you!
My Husband and I recently purchase a home. Jay was very professional and extremely helpful with all my questions.. and believe me I had a lot because was my first time buying a house. He helped us through our pre-approval process and made it...
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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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