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
Wed
8 AM to 5 PM(Open now)
Thu
8 AM to 5 PM
Fri
8 AM to 5 PM
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Reviews from Web
Jay and his team were exceptionally accommodating throughout the entire home mortgage process. We highly recommend Jay to anyone looking to purchase a home.
Reply from Owner
November 6th, 2018 12:00 AM
Thanks so much! Jay is one of the best.
It was the fist time I purchased a property in my life. Every single processes were unknown and unfamiliar for me. So, I asked many questions to Jay, always. But he gave me clear answers, nice explain and good suggestions all the time. Even...
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It was the fist time I purchased a property in my life. Every single processes were unknown and unfamiliar for me. So, I asked many questions to Jay, always. But he gave me clear answers, nice explain and good suggestions all the time. Even...
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Out of the blue the perfect condo became available. Of course I knew nothing about mortgages so I asked a neighbor if she could recommend any mortgage company to me. She not only gave me a company but a name also. That was Jay Robins. He walked...
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I had the privilege of working with Jay Robbins the past several months after a close friend of mine recommended his services. Jay's expertise in banking, and his exceptional customer service made my entire experience very soothing. In spite...
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My lender was very understanding and work with me to find the most suitable and practical mortgage for my circumstances. Jay worked very diligently with me in understanding the procedures and additional paperwork I needed to apply for my mortgage...
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Jay is an absolute professional, which is very rare in his field in my experience. Saw me thru every step of a challenging application to completion. Jay explained in detail every step of the process, before the fact. Oversaw each submission...
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The level of detail and patience Jay demonstrated throughout the entire process made this experience very pleasant. I must have asked the same questions hundred different ways. I’m excited for it all and would recommend Jay in a heartbeat
Jay has demonstrated that his knowledge and expertise in handling loan request and customer care is beyond any I have ever experience. He is always one step of the game and always intouch with his customers explaining every step of the way....
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Jay is very knowledgeable, helpful and kind. Very quick to respond and truly goes out of his way to help out. Would definitely recommend him to anyone needing a mortgage for their home or investment. Thank you so much Jay!
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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.
© 2026 E Mortgage Capital. All Rights Reserved.