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
Kay e planned in detail the entire process of obtaining a mortgage with him. He answered calls promptly and was always available via text to answer questions or put my mind at ease! We were able to close my loan fast as I had requested. He...
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Reply from Owner
November 2nd, 2015 12:00 AM
You and Brian were awesome to work with Katrina. I can't wait for those family reunions. I know there will be a lot of food and I want some of the leftovers! :)
Kay e planned in detail the entire process of obtaining a mortgage with him. He answered calls promptly and was always available via text to answer questions or put my mind at ease! We were able to close my loan fast as I had requested. He...
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It was great to have Jay to work with. Very knowledgeable and always available. I had tons of questions due to this being the first house I purchased, and Jay was always able to get the answer, any time of day. Jay made the entire process smooth...
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Jay has been very helpful and dedicated.He made sure everything would go smoothly for closing .He clearly explained what we could or could not afford. Showed us options for closing cost.I will use Jay again to refinance another property
Reply from Owner
March 9th, 2015 12:00 AM
Thank you for sharing your experience Marjorie. I'm glad I was available for you and Yom sometimes up until 9pm after your long day of working. My pleasure and honor to assist you in your new home.
I have been working with Jay Robbins for almost two years because I was indecisive about which home to buy. Through this process he has been very patient and never pushed me to purchase a home I didn't feel comfortable with. He is very helpful...
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Reply from Owner
December 15th, 2014 12:00 AM
Michele, it was a pleasure to work with you. One of reasons why your transaction went well is because of your willingness to get me what I needed quickly. That makes a big difference. I am very happy for you and the next chapter in your life!...
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Jay Robbins is the bomb!!! I wouldn't hesitate to use him again. He was so knowledgeable and took really good care of us in this transaction. Living in Ohio and purchasing a home in Florida was no small task and he really made it as pleasant...
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Reply from Owner
December 15th, 2014 12:00 AM
Linda thank your kind words! When you have a team like we have, it helps make for a much better experience!
Great guy to work with made it very easy to close on our new home in Florida!!!
he told us what to expect and he was dead on and very fast to respond to any issues that came up
Great guy to work with made it very easy to close on our new home in Florida!!!he told us what to expect and he was dead on and very fast to respond to any issues that came up
Reply from Owner
December 15th, 2014 12:00 AM
Tracy it was quite a journey. Your patience and responsiveness was a big factor in why it turned out the way it did. I'm glad I met and hopefully exceeded your expectations
Jay helped me out with my loan and although I had several complications and my schedule was extremely demanding, he was patient and took the time to explain the process, the requirements and broke them down in detail. He also made closing manageable...
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Reply from Owner
December 15th, 2014 12:00 AM
My pleasure Hector! It was great to be able to close on your new home in Florida while you were still in your home state of Kansas. It wasn't easy but I have a great team as you experienced. It was a pleasure to work with you!
Jay Robins helped me get a mortgage, although their were some difficult adversities with my deal, we were able to close. I'm happy everything worked out. Thanks again Jay
Reply from Owner
July 21st, 2016 12:00 AM
My pleasure to help Ryan. I'm glad it worked out.
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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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