I highly recommend Rob Covarrubias and Cova Lending.  Rob helped us with two complex lending projects - personal refi and consolidation, and a SBA business loan.  Both were unique, and involved, and we did them both at the same time!  He helped us finance a business acquisition and significantly improved our credit score in the process.  Rob was key to accomplishing both tasks with the best rates and the most efficient process.  He kept things moving and was focused on the goal.  Rob's communication and response time was incredible.

You cannot do better than Cova Lending

Dan & Rachel Ryan

Thank you Rob and Cova Lending for making what can be an overwhelming experience so painless.  I so appreciate your professionalism, efficiency and knowledge.  From start to finish, your loan process was great!

Lisa Plemons
Sole Tree Shoes

As a busy mom, community member, and full time teacher, I came to Rob to get a loan on my home.  I explained to him that I have very little time during the day to handle this process on the phone as I am usually in the classroom and attending student events.  I let him know that email is the easiest way for me to communicate.
After the first intro conversation over the phone, he emailed me with various document requests and we got the loan underway.  In just under two months of clear, consistent email communication, my refi closed!  And I delayed the start by taking almost four weeks to get him the documents.  All my debts were consolidated and my life feels a million times more manageable!  Thank you so much for working to make this the least stressful process ever!  I will refer all my friends and family to Rob in the future, he is awesome!!  Thanks Rob!

Dana Tillman

Rob was an amazing help from the very first question we asked about how to get a loan on our home. He made sure we understood every step of the process and stood by our side to make sure we made every decision that lead us to achieving our financial goal.  Can't say it enough, Rob's knowledge was comforting and trusting, and his hard work incredible.  We couldn't recommend Rob enough.  Call him for any Lending needs no matter how BIG or SMALL, and if it can be done, he will get it done.  We are sincerely appreciative of all the help!

Ben Guerrero and Michelle Gaughan

Rob is hands down the hardest working, most creative, innovative lender I have ever worked with.  I have not had one client that has used Rob state anything but an over the top 10-start rating.  I have sent clients to him that have claimed that they have been turned down by every lender they have contacted and Rob gets it done!!
The BEST!!!!

Billie Jo Ralls
RE/MAX SUCCESS

Rob did a great job for me.  This was my first real big purchase and Rob made it very easy.  I would recommend Rob to anyone looking for a loan, especially anyone needing lots of guidance, patience or hand-holding.

John Campos

Cova lending has been a one-stop-shop for us in both business and personal financial needs.  Rob Covarrubias is one of the hardest working people we dealt with in recent mergers and acquisitions.  He was able to find us the right lender and push the deal along when things got stuck.  He's the kind of lending agent you want in your corner when the going gets tough --  and working with SBA is always tough.  Working with him through the SBA lending process was a real partnership with direct and clear aims.  He also helped us close on our home purchase with self-employed income.  He was always thoughtful about how to approach every situation and talk through challenges to find the right solution while considering deadlines and shifting economic issues.  He's someone we personally recommend for all types of lending needs, and we look forward to the next time we need to give him a call.  Cova Lending is a great local company we highly recommend.

Nic & Hayley Mattson

We are a young couple who was looking into purchasing our first home.  Not only was Rob very helpful and full of knowledge, he was patient with us.  He was very direct with his information and made sure to keep us updated throughout.  He went out of his way to make sure we understood the entire process - we would definitely do business with him again.  If you are looking for a loan, I would highly recommend doing business with Rob.  Thank you Rob for everything.  We will forever be grateful!!

Alonso Torres and Joanna Lopez

Rob made my loan process very efficient, right from the get go. He accurately established what rate he could lock-in for me, and he respected my concerns about sensitive financials flying around the internet by setting up a very secure file account for me. He kept me fully informed each step of the way, and made it very easy to answer all the extra COVID questions that had to be dealt with. A great and easy experience which speaks to Rob's very high level of customer service. 5 stars all the way!

Kaitlin Riley, DDS, Inc.

What a joy to work with Rob on my loan.  He's knowledgeable, professional, super responsive and a good communicator.  He stays on top of the loan process.  He and First American Title were able to resolve an old situation where I paid off a home loan, and while the bank agreed it was paid off, they repeatedly failed to record the right paperwork with the county.  Rob and escrow got the bank to perform.  While I could have shaved a little off the interest rate, friends who had worked with Rob said to use him because the competence and service would be worth it.  They were right!

Jeanne Sleeper

At a time when funding a project seemed impossible, Cova Lending performed. Expanding my business had been planned and set to get underway in March 2020 just as the Pandemic settled in. Rob was extremely helpful in securing the funding I needed to keep my project moving, when most banks were putting everything on hold. His knowledge and experience made this aspect of my business much easier, and I would highly recommend Cova Lending for anyone needing funding for business or residential alike.​

Dr. Jeffery S. Kahler, D.D.S.

Rob, you have been great.  Thanks for putting up with my multiple change of minds.  Could not have gotten through this without you and your knowledge.
Thank you!

Marylee Torrey

We were very fortunate to have the opportunity of working with Rob during a very uncertain time in our business.  We have been in business for more than 50 years, but the stressful time of Covid-19 brought about uncertainty very quickly.  Rob was able to use his knowledge with SBA loans and connections in the lending community to guide us in being approved for our Paycheck Protect Program loan.  His dedication to the success of our business during this stressful time will never be overlooked.   We truly appreciate Cova Lending and will forever be grateful to Rob for the endless amount of work he did for us.

Marci Miller, MBA
Chief Administrative Officer
Radiology Associates

I was so lucky to be referred to Robert for my loan!  I tried to obtain a loan years ago and was told "it couldn't be done".  After Robert reviewed my situation, he took the time to explain my options and what I needed to do to make it happen.  I followed his instructions and in a short period of time, I had a loan.  He was great to work with, always checking in with me and he also made sure I always understood how things worked.  Robert had a positive outlook and that really helped me because I am a person who stresses.  My new loan made the start of 2020 a very happy one.  He works hard to make it happen and I am so happy that I was referred to him.  Robert and his team are awesome to work with and I would recommend him to anyone looking for a loan.

Kristin Coppoletti
 Paso Robles native

I was recommended to work with Rob on a SBA loan I was trying to pursue that I was unable to get accomplished with my local financial institution.  Rob took this challenge and ran with it finding me multiple options and avenues to fit our needs as a small business.  Rob kept constant communication which was always just a phone call, text or email away no matter what I needed.  Our situation was unique and complicated and Rob stayed strong in pushing through all roadblocks and challenges that we faced.  We stayed on track for closing even with my doubts.  Rob also worked hand in hand with my realtor to complete this transaction and the effort he placed into this loan were the reasons it was successful.  I would recommend Rob in a heartbeat for any or all loan needs.  Quality, care and determination are all top notch with Cova Lending.

Kelsey Sullivan
 The Learning Tree

We really appreciate Rob Covarrubias.  We were referred to Rob and were told that he was the "best" at getting loans done.  They were right!  The whole process including signing and turning in documents was easy.  Rob kept us updated throughout the entire loan process, and if we had any questions, he always responded quickly.  We would definitely recommend Rob for anyone looking for a loan. 

Gustavo & Beatriz Hurtado

All I can say is "wow"!  I have never had such a smooth loan as I did with Rob Covarrubias at COVA Lending.  Rob sat down with my husband and I and spent quite a bit of time crunching numbers and working through the details to get the right loan for us. The process is always tedious for us as we have a number of investment loans and it makes the paperwork quite cumbersome.  However, Rob was able to walk us through the process with the least amount of effort and documents.  I would highly recommend Rob at COVA lending for your loan needs, especially if you are an investor as I am.  It was the fastest and easiest process we have ever had.  And Rob's customer service is outstanding! 

Andrea  & Rod Olguin

In this time of technical wizardry, the subtle personal interactions during a financial transaction are often left out, but Cova lending will take you back to the time where handshakes and smiles are part of the deal.  Not only did Rob walk us through all of our loan options, he did so in person, listening to our concerns and helped to make our decision simple, smooth and stress-free.  His phenomenal personality made every interaction like we were family.  Cova Lending updated us on every status change of our process.  Rob even went the extra mile during closing to meet with us and the title company to make sure all of our questions were answered.  Do not hesitate to reach out to Rob if you have any questions about financing or refinancing.  Simply the best!

Gary & Angela Pasky

My husband and I have known Rob personally for over 30 years, so we had no doubt that he would be the person to go to when we started considering our loan options.  Rob and his team worked swiftly and the whole process went smoothly.  It made such a difference to use a "home-town" lender versus a large corporation.  We highly recommend contacting Rob for any of your loan needs.  He is simply awesome!!!

Cindy & Dom Petrillo

Robert with Cova Lending was amazing to work with and I'm beyond satisfied on how professional and private he made this very difficult process.  I can't thank Rob enough!  He is diligent, communicative, and thorough.  My peace of mind during the whole process was reassured every step of the way.  I highly recommend his services and any future financial inquiries that I may partake in, Cova Lending will be my first call!

Vanessa Huskey
 Very Satisfied Client

I'm a realtor and had a very complex commercial real estate transaction.  The lender my buyer was initially working with was not being responsive, so we switched the loan to Rob because of a prior great experience on a residential property that I had.  He did a great job on the commercial transaction and has a "what can I do to help attitude".  He was able to come through for my buyer and handled everything in such a professional manner. Rob was always able to talk to my buyer and ease any concerns she might be having.  I highly recommend Rob!

Lori Bagby, Realtor
 Platinum Properties

My husband and I have known Rob on a personal level for over 20 years. However, we had not had an opportunity to work with him on the business side until recently. We were wanting to refinance our property and we knew Rob would be able to get us something that we could work with. We ran into some unexpected speed bumps along the way, but that didn’t stop Rob from losing sleep over how to come up with a solution to our dilemma. He even worked for us and checked in while he was on vacation! He racked his brain and worked diligently with his team to provide us with options that would fit our needs. These options were far and above anything we could have asked for!  What Rob did for my family and I is nothing short of a miracle and was life changing for us! Words cannot express how truly grateful we are to Rob and his team for what they achieved for us!  If you are looking for a loan, we highly recommend Rob.  If it can be done, he will get it done!! ​

Jennifer and Alfredo De La Rosa

Rob Covarrubias  delivers!  Effective communication and commitments make a great lender! This describes Rob!  He is detail oriented, responsive, shops all his contacts to get the best rates at the lowest costs, and has effective follow up to make the borrowing process simple.   As real estate owners/developers, we have worked with numerous lenders over the years and Rob Covarrubias of Cova Lending is a no hassle lender that performs!

Thomas and Gwen Erskine
Real Estate Developers / Investors

I worked with Rob Covarrubias to refinance my hotel in Cayucos, CA.  Hospitality loans are not the easiest and most lenders locally don't want to do them.  Rob and his lending resource were great to work with. They got my loan done with a great interest rate, terms and went the extra mile to make sure that I was kept informed through the entire process.  Rob's knowledge and experience in commercial lending was extremely beneficial and I would highly recommend him to anyone looking for a commercial loan.  

Ashish "Andy" Ranat
​Beachwalker Inn, Owner

Rob Covarrubias was very friendly and knowledgeable.  Rob was willing to answer all of my questions,  regardless of the time or day of the week. He was very honest, prompt, professional, patient and courteous.  Rob took the extra time and energy to explain, in detail, every step of the process.  Rob kept the ball rolling and worked diligently to complete the process within the time frame that worked best for me.  I greatly appreciate the service Rob provided and I will, without a doubt, use Rob for all future loan needs.
​I highly recommend Rob Covarrubias for all of your lending needs.

Ryan & Hannah Thomas

I have been in the banking industry for over 30-years, and never in my career have I ever experienced the expertise and professionalism that I had in dealing with Rob Covarrubias.  Our loan wasn't easy and frankly, most would of given up on us and our loan, but not Rob.  He went above and beyond what any other lender would have done to get our loan done.  Rob held our hands through the entire process, kept us informed, was honest about the expectations and reassured us when he could.  We would recommend Rob Covarrubias to anyone looking for a loan.  Thank you, Rob, for everything.  You are simply the best lender I've ever worked with!   

Don & Cheryl Holloway

Over the past ten years, Rob has been there for me and my family when we had a financial loan need.  He is great to work with and is very knowledgeable"

Warren Frankel, M.D.
Sculpterra Winery and Sculpture Garden, Owner

Rob made the painful process of refinancing your commercial property as pleasurable as it could be.  He went out of his way to take most of the work off of my plate. He knows how to explain your options and was willing to do it over and over again, if needed, for guys like me. His great sense of humor helps too.         Two thumbs up, way up!

Rick Goree
State Farm Agent, Owner

We had been thinking about applying for a mortgage for a while, but were honestly intimidated by the whole process. Rob was recommended to us by our insurance agent, and from the first phone call, he made me feel at ease. He explained and kept me updated at every step of the process and was always available by phone or text if I had any questions. I’d recommend Rob and his team to anyone with mortgage needs, but especially anyone like me that finds the prospect of buying a home overwhelming and might need some extra hand-holding.

Hugo Garcia & Lizette Paredes

Rob and I had a initial conversation regarding cost savings by refinancing to a shorter term loan and the "what ifs".  He immediately did the research and got back with me on what we could save by moving to a 15 year fixed loan.  We started the process of applying for the new loan and we were done and closed in a very short period of time.  Rob was on top of everything and kept us constantly informed of the progress. Rob is a true professional. We would highly recommend Rob and the Cova Lending team for your lending needs.

Mike and Melissa Keller

We have worked with Rob Covarrubias on several transactions throughout the years and he did a great job with our last loan need.  
He works in a well-organized and competent way. 
​We would suggest using Rob at Cova Lending for any of your financing needs.

Randy and Tina Stinchfield
Planet Fitness Paso Robles

I did not know Rob personally when I was referred to him by a business associate.  Since financial situations are very personal, I needed someone I could trust.  I found Rob to be an authentic combination of a consummate professional and a sincere person. He was always available to take calls, texts and emails as I had concerns and questions.  He always listened intently, empathized and stayed pleasant and positive.  He communicated with skill. He stayed on top of the loan processing.  He offered sound options and courses of action which showed that he was committed to what was best for me and my situation.  He persisted thru many challenges until he achieved the best loan for my situation.  Rob became a trusted friend and I came to value his professional and personal ethics. 
I highly recommend Rob Covarrubias as a man who is true to his word, a man of integrity.

Barbara Bethel
Bethel Holding Company, Inc.

Robert did an outstanding job for my clients.  The deal we had in front of us had some challenges and Rob tackled each one head on.  He kept myself and my clients informed at every turn, and we ended up closing early.  Rob is a professional that is easy to communicate with and I would recommend him to all of my future clients without hesitation.

Gary Brown
HomeSmart PV and Associates

My husband and I would like to give a HUGE  thank you to Cova Lending for helping us make our dream come true. Robert Covarrubias and his team did an amazing job helping us with the purchase of our first home. With this being the purchase of our first home we had no idea what we were doing or where to even begin. Rob took the time to explain everything very thoroughly until we understood every step of the process. Not only that but when it came time to sign our loan documents they even had the title company come to our home to get all the paperwork signed and Rob took the time to come over to make sure we understood every document we had to sign. Cova Lending not only met but exceeded our expectations but what else would you expect from a local person with long time ties to the local community. We highly recommend Robert Covarrubias and his amazing team at Cova Lending.

Jessica Sandoval

I wanted to take a moment and recap my experience in utilizing Cova Lending. Having been a local citizen in the area for over forty years it was much appreciated and refreshing to work with another local person with long time ties and commitment to the local community.
I originally started the process with Chase bank and was very disappointed in the lack of personal service and felt like a number in a sea of numbers.  With Cova Lending it was different, personal attention and guidance was consistently provided and I could not be more pleased with not only the service you provided but also the lending agent and their contacts who were responsive and educated in their respective fields of expertise.
Thanks again for your efforts and look forward to doing business in the future.

Ron Richardson
Satisfied customer

Rob Covarrubias helped us get a loan for our new commercial building.  We could not have done it without him. Here’s what you’re going to get with Rob and Cova Lending – Professional services, many years of experience and knowledge in the industry that is second to none.  In addition, Rob is genuine. You get what you get and Rob is always going to make sure you get the best combination of product, rate, and service. He gets the job done and we are happy to recommend Rob and Cova Lending."

Henry & Cheryl Elisarraraz

My husband and I would like to give a HUGE  shoutout to Cova Lending. Robert Covarrubias and his team did an amazing job with our home refinance this past month.  Not only did they help guide us through the process but made sure we understood it every step of the way. There were a number of different moving pieces with our loan, so it wasn't the easiest of loans but Cova Lending did their research and made sure it all went smoothly. They even had the title company come to our home to get all the paperwork signed before we went on vacation. We can't thank the Cova Lending team enough for their personal service, professionalism and care. We highly recommend Robert Covarrubias and his amazing team at Cova Lending." 

Adrian & Claudia Jauregi

Realtor and Cova Lending work together to get another deal completed....
Cova Lending was truly great to work with! Robert provided frequent updates and he communicated with us the entire escrow. This is important, because we work closely with our clients and Robert helped us make that happen. I have worked with several commercial lenders, but this loan was underwritten very quickly. The appraisal was faster than expected and Robert made sure our clients were informed throughout the process. Thank you Robert, we will be happy to refer you to more of our clients for their lending needs. 

Ty Christensen
Webber-Nelson Real Estate, Inc.

My husband and I would like to give a BIG thank you to Cova Lending. We started looking for help in refinancing our loan over a year ago.  Can I just say that we were very disappointed in the lack of customer and personal service we were given from the BIG banks.  Rob was very personable and very professional. He kept the line of communication open and we knew where we were with our loan every step of the way. We felt like Rob was our last hope and he made it happen. The team that he works with is amazing. Something like this can be overwhelming and stressful and they all made us feel very comfortable and guided us through every step. We cannot thank Cova Lending enough for all the personal care. We highly recommend Robert Covarrubias for all your lending needs. "

Jose and Frances Valle

Recently, I refinanced my commercial building in Paso Robles. This was made possible by Robert Covarrubias at Cova Lending. Rob was very diligent and knowledgeable of the available products. I was always kept abreast throughout the entire process. Rob is very professional and courteous at all times. I am very satisfied with the final outcome and would highly recommend Cova Lending for your financial solution.

Marion Todd
President/GM GWAC Inc.