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
GREAT = Evan Robins
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Jay is an exceptional young man, with a wealth of knowledge in his field...he not only is he helping me to acquire the "right" morgage to suit my particular needs, but he has helped me to understand every detail of the process. Really grateful...
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They jumped through hoops to make my dream a reality!! I will recommend them to everyone!!
What we liked was keeping us updated in what was needed. Help was always a phone call away whenever we had a question or concern. Our calls were always returned, and that made a difference. Buying a house is stressful enough, and it is good...
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Excellent customer service through out the entire process.
Mr. Jay Robbins, was wonderful from start to finish, my experience with Mr. Jay was unforgettable all the figures that he thought at the begining were 99%.
I was referred to Jay when I started searching for my first home. I can’t stress enough how amazing my experience has been working with Jay. I am a first time home owner and I did not realize how much work this process really entailed, however,...
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Very knowledgeable, professional, experienced, approachable, available, going far and beyond expectations. It was my first time working with Jay and I was surprised how easy the whole process went with Jay and his team. Jay stayed with me on...
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I have bought 8 houses in my lifetime and this was the best experience ever. Jay always kept me informed at least weekly; but more frequently. Always supportive, educational and informational!
My husband and I recently purchased a home in July of 2017. As first time home buyers, Jay could not have been a better lender to work with. He was patient with us and thoroughly explained each step of the process. Since we built a home, there...
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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.