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
Very professional and very easy to work with. He went above and beyond to make sure everything worked out and a his helper Lacie is a real gem. I could not have bought a home with there help. I would recommend to anyone try to get a home loan...
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Jay Robins is a true professional. He does what he says, and says what he does. He follows up. And he’s pretty accurate. I like that he goes on the high side, so when you get your final numbers you’re pleasantly surprised. This is our second...
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Reply from Owner
June 8th, 2016 12:00 AM
Thank you so much! It was and is our pleasure to serve you!
I would recommend Jay and Lacie and his team. It's hard to find people who not only return every call and are attentive, but come through on everything they say. From the first call to the last. The smoothest process in historically a rough...
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Jay Robins Is very helpful and friendly. If it wasn't for him we would not have gotten our Loan. I would recommend him to anyone. Lacie Sluzala was also very helpful. We are very grateful to both of them. Jay was always on Time and answered...
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Jay Robins Is very helpful and friendly. If it wasn't for him we would not have gotten our Loan. I would recommend him to anyone. Lacie Sluzala was also very helpful. We are very grateful to both of them. Jay was always on Time and answered...
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Reply from Owner
June 8th, 2016 12:00 AM
Thank you for your kind words James. Anything you need, we are here for you!
My husband and I recently bought a home and Jay was so responsive and so helpful. He was very honest and knowledgable. Thank you for everything we found our perfect home. We could not have done it without your help. I have heard horror stories...
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Reply from Owner
June 8th, 2016 12:00 AM
Karen, You're welcome! It was a pleasure and honor to serve you and your family!
I recently refinanced a mortgage loan with Jay Robins. The experience was amazing. Jay and Lacie are extremely helpful. The communication between us was constant, clear, straightforward and honest. Jay kept me up to date with multiple calls,...
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Reply from Owner
June 8th, 2016 12:00 AM
Thank you Ivan. It was a pleasure and honor to serve you. Anything you need, I'm here
Great experience, very professional and knowledgable, great communication always kept us informed and updated on the status of our loan all the way though from day one till the closing. I cant thank Jay enough for making our Dream come true...
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Jay is by far the best person I have ever worked with. He is very easy to get a hold of and very willing to answer any questions or concerns. The whole morgage went smoothly and couldn't have asked for a better experience.
Reply from Owner
November 3rd, 2015 12:00 AM
Paul and Crystal what a journey. As I mentioned, the perfect home is the one you will close on. Have lots of fun in rehabbing and creating your new home for your family. If you need anything, I'm here.
Great communication and proved customer service. A stress free experience for buying a house. He called us every time there was an update and emailed.
Reply from Owner
November 3rd, 2015 12:00 AM
Noel it was a great pleasure and honor to have worked with you Dave. I'm very happy for the both of you!
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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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