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
I worked in the mortgage industry for over 30 years. Jay is the best originator I have dealt with. He gives all customers the same level of service regardless of loan amount or loan type. His weekly calls and fast response times are the best...
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ay, my family and I go back easily 10 years. As realtor, Jay has been my go to mortgage advisor. He has provided my buyers with excellent service. Recently Jay shared that excellent service to my husband and I, as we refinanced our home. Jay...
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Jay Robins was awesome with helping us through the process of getting pre approved all the way to closing on our forever home. I would recommend Jay to anyone looking for a mortgage
Jay Robins helped us with improving our credit score so we would qualify for our mortgage. He was extremely professional and caring and kept in touch with us on a regular basis
Jay went above and beyond for me and my wife. He stayed with us for months giving professional advice to get us to closing. Even when we hit a rough patch her called my wife to settle her down! I would recommend and will recommend Jay to anyone...
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Jay was always available for us when we had questions. The process was smooth and we were able to close and finalize our purchase on time. He was very patient when explaining things to us.
Jay , your follow up, patience , timing really helped a process that is sometimes difficult . Thank you we are now homeowners thanks to you.
We enjoyed working with Jay. He was very knowledgable and detailed in his approach. We appreciated that he kept all parties updated regularly. Our home purchase was a tricky situation, and having Jay definitely helped us get the deal done....
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We had contacted other lenders previously who only provided us with very little information. However, Jay was very informative and provided us with way more information than we ever got from any previous lender. We are very grateful to have...
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Our Sr Mortgage broker, Jay Robbins, was helpful in every step of this process. He took the time to explain any area that was unclear. Super helpful in entire process.
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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.