looking for the best loan
That was easy!
The Cobas Group
—— Jerard Cobas
Our mission is to get you the money you’re looking for to accomplish your real estate goals and dreams! Whether you’re looking for a mortgage to make your first home purchase or trying to find a way to buy that 11th investment property, we’re here to help. As one of North Carolina’s best loan officers, The Cobas Group is committed to you and your family throughout the loan process. We’re fortunate to be able to offer loan products that others can’t, and help customers with credit scores down to 500 with loan options in all 50 states.

We Can Help You
What Are You
Looking For?
Whether you’re a first-time home buyer looking for a home loan or down payment assistance program, an experienced investor looking to fund your spec build or long-term multi-family holding, we have a loan product that can accomplish your goals.
First-class Professional
Services
Some Feedback
What Our Clients Say
Don’t just take our word for it, here’s what our amazing clients have to say!
300+
Happy Clients
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I can’t say enough good things about Jerard. From start to finish, he was incredibly knowledgeable, responsive, and patient. He answered every question I had, no matter the time, and walked me through each step of the mortgage process so I never felt confused or rushed. He worked hard to secure me the best deal possible and made what could have been a stressful experience feel smooth and manageable. If you’re looking for someone who truly has your best interest in mind, I highly recommend him.
Stan Pinchuk
January 22, 2026Jerry was fantastic to work with throughout our mortgage process. He was knowledgeable, responsive, and took the time to clearly explain every step, which made the entire experience feel smooth and stress-free. Jerry was always quick to answer questions and stayed on top of details, giving us real confidence along the way. We truly felt supported from start to finish and would absolutely recommend Jerry to anyone looking for a reliable, trustworthy Mortgage Broker.
Chris Drummond
January 9, 2026Jerry is a top tier mortgage professional and provides stellar service and expertise to his clients
Greyson McBride
December 15, 2025 -
I am very grateful to Jerard , he did an excellent job, he helped me with the questions, he was clear and most importantly very fast and efficient, I recommend him 100%, thank you very much, for everything Jerard.
Facundo Guerrero
October 24, 2025To say Jerard was exceptional would be an understatement. The loan we both went through had a lot of firsts that's for sure, but I literally could not have completed this journey without his calm demeanor and leadership. I've done alot of financial deals but this one was unexpectedly the most challenging. Couldn't have had a better partner! Thanks Jerry!
jonathan pacilio
July 18, 2025Jerry went above and beyond to help me with everything when buying my first house. Incredible response rate and awesome communication. Made the process of buying my first home as painless as possible! He will be recommended to EVERYONE I know!!
Kristen Walker
June 3, 2025 -
Jerard is the best mortgage broker you can ask for. I am grateful for his guidance and professionalism during the home purchase process. He is friendly and genuinely cares and he goes above and beyond for you. Jerard helped me overcome all obstacles and thanks to him I can now enjoy my dream home. He was always ready to answer all my questions with patience. Professionalism, responsiveness and friendliness describe him best. He is incredibly knowledgeable and always advocates for you. I couldn't recommend him more!
Petra Gerlichova
June 3, 2025Jerry went above and beyond to help me with everything when buying my first house. Incredible response rate and awesome communication. Made the process of buying my first home as painless as possible! He will be recommended to EVERYONE I know!!
Kristen Walker
May 30, 2025Jerard is the best mortgage broker you can ask for. I am grateful for his guidance and professionalism during the home purchase process. He is friendly and genuinely cares and he goes above and beyond for you. Jerard helped me overcome all obstacles and thanks to him I can now enjoy my dream home. He was always ready to answer all my questions with patience. Professionalism, responsiveness and friendliness describe him best. He is incredibly knowledgeable and always advocates for you. I couldn't recommend him more!
Petra Gerlichova
May 28, 2025 -
"I highly recommend Jerard for his exceptional guidance and support throughout the loan process. As a first-time investor, I was navigating uncharted territory, but Jerard walked me through every step with clarity and professionalism.His expertise and dedication enabled me to successfully close on not one,but Two investment properties simultaneously!! I'm thrilled with the outcome and can't wait for the next one.If your seeking a reliable and knowledgeable lender look no further than Jerard honestly 5 stars isn't enough thanks alot.
Michael Mata
April 1, 2025As a previous Loan Officer AND first-time homebuyer, Jerry was a light in the dark from the very beginning. He was recommended to me by a family friend, and from the very first phone call we had together, he demonstrated an unparalleled level of professionalism, empathy, and expertise that transformed what could have been a daunting process into a seamless and concise closing. One of the best qualities of Jerry was his ability to listen attentively. In the realm of buying my first home in this economy, I had numerous questions, concerns, and uncertainties swirling around my head daily. However, he patiently listened to each query, offering insightful explanations and guidance tailored to my unique situation. Jerry also exhibited a genuine concern for my well-being and financial stability. He took the time to understand my long-term goals and financial constraints, offering tailored solutions that aligned with my best interests. Empathy and understanding fostered a sense of trust, and transformed what could have been a purely transactional relationship into an experience that paralleled working with a close friend. I can't recommend Jerry enough, I will absolutely do business with him again.
Samuel Hyde
June 17, 2024This was the best mortgage broker I have ever used. Was honest and did his research to give me the best options and best money return. The process was straight forward. Will absolutely be using him igor future projects
R CHAPMAN-BROWN
June 17, 2024 -
As a previous Loan Officer AND first-time homebuyer, Jerry was a light in the dark from the very beginning. He was recommended to me by a family friend, and from the very first phone call we had together, he demonstrated an unparalleled level of professionalism, empathy, and expertise that transformed what could have been a daunting process into a seamless and concise closing. One of the best qualities of Jerry was his ability to listen attentively. In the realm of buying my first home in this economy, I had numerous questions, concerns, and uncertainties swirling around my head daily. However, he patiently listened to each query, offering insightful explanations and guidance tailored to my unique situation. Jerry also exhibited a genuine concern for my well-being and financial stability. He took the time to understand my long-term goals and financial constraints, offering tailored solutions that aligned with my best interests. Empathy and understanding fostered a sense of trust, and transformed what could have been a purely transactional relationship into an experience that paralleled working with a close friend. I can't recommend Jerry enough, I will absolutely do business with him again.
Samuel Hyde
March 25, 2024This was the best mortgage broker I have ever used. Was honest and did his research to give me the best options and best money return. The process was straight forward. Will absolutely be using him igor future projects
R CHAPMAN-BROWN
March 6, 2024Highly highly recommend! I am convinced he is one of the best brokers out there! He explained everything in great detail and was completely transparent throughout our entire process! He has definitely earned a lifetime of business from my family and I!
Breanna Roberts
December 11, 2023 -
Working with Jerry was a breeze. Always explains thoroughly what the products they have from conventional to fix and flip loans.
Slavik Chubachuk
December 11, 2023Highly highly recommend! I am convinced he is one of the best brokers out there! He explained everything in great detail and was completely transparent throughout our entire process! He has definitely earned a lifetime of business from my family and I!
Breanna Roberts
December 11, 2023Working with Jerry was a breeze. Always explains thoroughly what the products they have from conventional to fix and flip loans.
Slavik Chubachuk
December 10, 2023 -
Jerard is amazing! His knowledge and willingness to share this information with ANYONE, is truly remarkable. He goes above and beyond to ensure you understand the financial aspect beyond a mortgage payment. A great person to connect with!
Destinee Matthews
November 25, 2023Jerard is amazing! His knowledge and willingness to share this information with ANYONE, is truly remarkable. He goes above and beyond to ensure you understand the financial aspect beyond a mortgage payment. A great person to connect with!
Destinee Matthews
November 13, 2023Jerry was amazing to work with! Always available, never pushy, very knowledgeable. He was patient in answering all my questions as a newer real estate investor. He was instrumental in walking me through all the requirements to get me to the closing table. I highly recommend Jerry Cobas with Edge Home Finance and will definitely call him on my next deal!!
Stacy Durrell
October 25, 2023 -
Jerry was amazing to work with! Always available, never pushy, very knowledgeable. He was patient in answering all my questions as a newer real estate investor. He was instrumental in walking me through all the requirements to get me to the closing table. I highly recommend Jerry Cobas with Edge Home Finance and will definitely call him on my next deal!!
Stacy Durrell
October 13, 2023Jerry is the man. If you’re like me and you want fast responses, and an “easy to work” with person. Jerry cobas is him. He will get er done
Sean Mata
September 25, 2023Jerry is the man. If you’re like me and you want fast responses, and an “easy to work” with person. Jerry cobas is him. He will get er done
Sean Mata
September 15, 2023 -
I highly recommend Jerard for all your Loan needs. He very well try to understand your needs and provide different options ,he also goes above and beyond to make it happen. I have never seen a Loan officer like him. Thanks alot for helping us to get the loan we needed.
Maheshkumar Jagannathan
August 25, 2023I highly recommend Jerard for all your Loan needs. He very well try to understand your needs and provide different options ,he also goes above and beyond to make it happen. I have never seen a Loan officer like him. Thanks alot for helping us to get the loan we needed.
Maheshkumar Jagannathan
August 3, 2023Jerard was our mortgage guy when we refinanced our house last year with Loan Depot. He was excellent….made everything so easy, was accessible and easy to contact, answered all our questions and facilitated all the online info we needed to submit and helped us navigate the whole process from the first phone inquiry to the final closing. I highly recommend Jerard if you are looking at buying or refinancing your home.
Kate Weidenbach
February 25, 2023 -
We've done multiple loans with Jerard. He's very knowledgeable and patient. He always made time to answer all our questions throughout the process and was quick to respond.
mvc 2141G
February 25, 2023Jerard Cobras worked closely with me through the process of obtaining the loan for my home and was absolutely wonderful. He was patient, professional, and very knowledgeable. He explained everything and kept me updated all along the way. If I could give him more stars than 5, I would. I highly recommend Jerard for your home financial needs.
Sonya W
February 25, 2023Jerard helped my husband and I with a refinance of our home. He was professional, knowledgeable, helpful, and available. I highly recommend him for your home financing needs.
Nichole Niemeyer
February 25, 2023








