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
After renting for over 14 years(2/1 apartment) there is no greater feeling than pulling up into your own drive way for the first time knowing that this is MY HOME. With the help of Jay Robins my Family now owns a House with 4 bedrooms, 2 bath...
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Jay was awesome he was always i contact with anything that he needed and made sure to keep us in the loop every step of the way. Highly recommended! Thanks Jay we love our new home!!
Mr. Jay Robins. I can't say enough about Jay. What a true professional and a true pleasure to work with. He definitely delivers what he promises. If you want the job finished call Jay
Jay is extremely professional and communicative as well as easy to get in contact with. He was quick to answer any questions I had, answered them thoroughly and was very helpful through all the steps. Jay is also patient and kind which makes...
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After renting for over 14 years(2/1 apartment) there is no greater feeling than pulling up into your own drive way for the first time knowing that this is MY HOME. With the help of Jay Robins my Family now owns a House with 4 bedrooms, 2 bath...
read more
Jay is very honest, knows his job and shows passion for helping people. He stays connected through the whole process. He looks out for his client.. He continues to stay in touch with us as time goes by. We would recommend him to anyone looking...
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Jay Robins is fantastic...being a first time buyer Jay was patient and explained the process through all the phases. He made time to answer my questions after normal business hours and always made me feel welcome.
Working with Jay and his staff was great.......I have never had a loan closing be so easy, and I have had a couple of re-financings. Very informative and knowledgeable about every step of the way....cannot say enough great things about him...
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Working with Jay was like having your best friend in the business guiding you along. He was so easy to work with and genuinely cared about my situation and helped me secure a loan. We had some obstacles to overcome such as a low credit score,...
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I wanted to buy a house for the first time. However, my credit needed some major repair. I heard about Jay from a couple of people. Therefore, my dad and I decided to contact him. From the moment we talked to him, he made us feel welcomed....
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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.