Shows
Jay GarvensINSURANCE & INTEREST RATES GONE WILD – 08-02-25
https://www.jaygarvens.com/wp-content/uploads/2025/08/8-2-25-Jay-Garvens-Show-Insurance-Interest-Rates-Gone-Wild-Small-Finished.mp3
This week on the Jay Garvens Home & Mortgage Show on KRDO News Radio 105.5FM. Jay’s WARNING that “Insurance & Interest Rates are Gone Wild!”
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2025-08-0739 minPodcast Archives - Jay GarvensINSURANCE & INTEREST RATES GONE WILD – 08-02-25
https://www.jaygarvens.com/wp-content/uploads/2025/08/8-2-25-Jay-Garvens-Show-Insurance-Interest-Rates-Gone-Wild-Small-Finished.mp3
This week on the Jay Garvens Home & Mortgage Show on KRDO News Radio 105.5FM. Jay’s WARNING that “Insurance & Interest Rates are Gone Wild!”
The post INSURANCE & INTEREST RATES GONE WILD – 08-02-25 appeared first on Jay Garvens.
2025-08-0739 minJay GarvensTHE NEW YORK EFFECT – 7-26-25https://www.jaygarvens.com/wp-content/uploads/2025/07/7-26-25-Jay-Garvens-Show-The-New-York-Effect-Small-Finished-2.mp3
This week Jay Garvens along with special guest Brad Ward from CoCreate Construction is breaking down what is called the New York Effect! When in Colorado enjoy Colorado, don’t try to change it!
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2025-07-3038 minPodcast Archives - Jay GarvensTHE NEW YORK EFFECT – 7-26-25https://www.jaygarvens.com/wp-content/uploads/2025/07/7-26-25-Jay-Garvens-Show-The-New-York-Effect-Small-Finished-2.mp3
This week Jay Garvens along with special guest Brad Ward from CoCreate Construction is breaking down what is called the New York Effect! When in Colorado enjoy Colorado, don’t try to change it!
The post THE NEW YORK EFFECT – 7-26-25 appeared first on Jay Garvens.
2025-07-3038 minJay GarvensThe Big Beautiful Bill Part #2 – 7-19-25https://www.jaygarvens.com/wp-content/uploads/2025/07/7-19-25-Jay-Garvens-Show-The-Big-Beautiful-Bill-2-Small-Finished.mp3
Today on KRDO News Radio 105.5 FM & 1240 AM on the Jay Garvens Home & Mortgage Show, Jay wraps up his discussion about the “The Big Beautiful Bill.” Jay will have Bill McAfee in studio to give his economic update for the El Paso County & the Pikes Peak area.
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2025-07-3040 minPodcast Archives - Jay GarvensThe Big Beautiful Bill Part #2 – 7-19-25https://www.jaygarvens.com/wp-content/uploads/2025/07/7-19-25-Jay-Garvens-Show-The-Big-Beautiful-Bill-2-Small-Finished.mp3
Today on KRDO News Radio 105.5 FM & 1240 AM on the Jay Garvens Home & Mortgage Show, Jay wraps up his discussion about the “The Big Beautiful Bill.” Jay will have Bill McAfee in studio to give his economic update for the El Paso County & the Pikes Peak area.
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2025-07-3040 minJay GarvensTHE BBB Part #1 – 7-12-25https://www.jaygarvens.com/wp-content/uploads/2025/07/7-12-25-Jay-Garvens-Show-The-BBB-1-Small-Finished.mp3
This week Jay starts to examine the Big Beautiful Bill out of Washington, breaking it down and pulling it apart and seeing how it can help the residents of Colorado. Jason Holmes is in the studio in segment #3 with some big news and fantastic offers for Jay’s listeners for your HV/AC.
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2025-07-2938 minPodcast Archives - Jay GarvensTHE BBB Part #1 – 7-12-25https://www.jaygarvens.com/wp-content/uploads/2025/07/7-12-25-Jay-Garvens-Show-The-BBB-1-Small-Finished.mp3
This week Jay starts to examine the Big Beautiful Bill out of Washington, breaking it down and pulling it apart and seeing how it can help the residents of Colorado. Jason Holmes is in the studio in segment #3 with some big news and fantastic offers for Jay’s listeners for your HV/AC.
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2025-07-2938 min
KRDO NewsRadio 105.5 FM | 1240 AMJay Garvens Home & Mortgage Show-The Big Beautiful Bill Part#2- July 19, 2025Today on KRDO News Radio 105.5fm & 1240am on the Jay Garvens Home & Mortgage Show, Jay wraps up his discussion about "The Big Beautiful Bill, and he will have Bill McAfee in studio to give his Economic Update for the El Paso county & the Pikes Peak area.
2025-07-1940 minPodcast Archives - Jay GarvensDEMOGRAPHICS IN AMERICAN 2025 – 7-5-25https://www.jaygarvens.com/wp-content/uploads/2025/07/7-5-25-Jay-Garvens-Show-Demographics-In-America-2025-Small-Finished.mp3
This week’s show Jay is breaking down the Demographics in American for 2025. Dave Fleming from Pella Windows will help Jay explain why it doesn’t matter if you are a renter, a home owner or an investor in real estate, demographics will help you decide your best move to save or invest in real estate in the Pikes Peak area.
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2025-07-0839 minJay GarvensDEMOGRAPHICS IN AMERICAN 2025 – 7-5-25https://www.jaygarvens.com/wp-content/uploads/2025/07/7-5-25-Jay-Garvens-Show-Demographics-In-America-2025-Small-Finished.mp3
This week’s show Jay is breaking down the Demographics in American for 2025. Dave Fleming from Pella Windows will help Jay explain why it doesn’t matter if you are a renter, a home owner or an investor in real estate, demographics will help you decide your best move to save or invest in real estate in the Pikes Peak area.
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2025-07-0839 minJay GarvensTHE REAL ESTATE REALITIES – 6-28-25https://www.jaygarvens.com/wp-content/uploads/2025/07/6-28-25-Jay-Garvens-Show-The-Real-Estate-Realities-Small-Finished.mp3
This week Jay has a special guest in studio talking about “Real Estate Realities.” What is really going on in local and national real estate.
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2025-07-0337 minPodcast Archives - Jay GarvensTHE REAL ESTATE REALITIES – 6-28-25https://www.jaygarvens.com/wp-content/uploads/2025/07/6-28-25-Jay-Garvens-Show-The-Real-Estate-Realities-Small-Finished.mp3
This week Jay has a special guest in studio talking about “Real Estate Realities.” What is really going on in local and national real estate.
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2025-07-0337 minJay GarvensTHE GOLDEN AGE – 6-21-25https://www.jaygarvens.com/wp-content/uploads/2025/07/6-21-25-Jay-Garvens-Show-The-Golden-Age-Small-Finished.mp3
With the help from long time friend and sponsor, Bill McAfee from Empire Title, Jay will look at the pending “Golden Age” our President Trump has proposed. Jay will reflect on the impact around the globe and how it will effect most of us here in Colorado.
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2025-07-0338 minPodcast Archives - Jay GarvensTHE GOLDEN AGE – 6-21-25https://www.jaygarvens.com/wp-content/uploads/2025/07/6-21-25-Jay-Garvens-Show-The-Golden-Age-Small-Finished.mp3
With the help from long time friend and sponsor, Bill McAfee from Empire Title, Jay will look at the pending “Golden Age” our President Trump has proposed. Jay will reflect on the impact around the globe and how it will effect most of us here in Colorado.
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2025-07-0338 minJay GarvensSTART SUMMER WITH INCOME – 6-14-25https://www.jaygarvens.com/wp-content/uploads/2025/07/6-14-25-Jay-Garvens-Show-Start-Summer-With-Income-Small-Finished-1.mp3
Jay, in this week’s show, will explain how to expand your income this summer and the different ways to achieve this.
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2025-07-0338 minPodcast Archives - Jay GarvensSTART SUMMER WITH INCOME – 6-14-25https://www.jaygarvens.com/wp-content/uploads/2025/07/6-14-25-Jay-Garvens-Show-Start-Summer-With-Income-Small-Finished-1.mp3
Jay, in this week’s show, will explain how to expand your income this summer and the different ways to achieve this.
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2025-07-0338 minPodcast Archives - Jay GarvensYOUR SUMMER HEALTH CHECK UP – 6-7-25https://www.jaygarvens.com/wp-content/uploads/2025/07/6-7-25-Jay-Garvens-Show-Your-Summer-Health-Check-Up-Small-Finished-1.mp3
This week, Jay Garvens, with the help from Kelsie Dunham from Springs Body Sculpting will help you with “Your Summer Health Check up.” It’s not always financial or home buying on this show; however, they will be discussing both! Take a listen this is a show for the whole family.
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2025-07-0338 minJay GarvensYOUR SUMMER HEALTH CHECK UP – 6-7-25https://www.jaygarvens.com/wp-content/uploads/2025/07/6-7-25-Jay-Garvens-Show-Your-Summer-Health-Check-Up-Small-Finished-1.mp3
This week, Jay Garvens, with the help from Kelsie Dunham from Springs Body Sculpting will help you with “Your Summer Health Check up.” It’s not always financial or home buying on this show; however, they will be discussing both! Take a listen this is a show for the whole family.
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2025-07-0338 minPodcast Archives - Jay GarvensTHE MOST IMPORTANT SPRING CLEANING TO DO LIST FOR 2025 – 05-31-25https://www.jaygarvens.com/wp-content/uploads/2025/06/5-31-25-Jay-Garvens-Show-The-Most-Important-Spring-Cleaning-To-Do-List-For-2025-Small-Finished.mp3
Jay Garvens will help you make a spring cleaning list using the things that should be checked each year to keep the value of your home up! Brad Ward from CoCreate Construction will be here in segment 3 and tell us what repairs around the house will give you the most ROI.
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2025-06-0537 minJay GarvensTHE MOST IMPORTANT SPRING CLEANING TO DO LIST FOR 2025 – 05-31-25https://www.jaygarvens.com/wp-content/uploads/2025/06/5-31-25-Jay-Garvens-Show-The-Most-Important-Spring-Cleaning-To-Do-List-For-2025-Small-Finished.mp3
Jay Garvens will help you make a spring cleaning list using the things that should be checked each year to keep the value of your home up! Brad Ward from CoCreate Construction will be here in segment 3 and tell us what repairs around the house will give you the most ROI.
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2025-06-0537 minKRDO NewsRadio 105.5 FM | 1240 AMJay Garvens Home & Mortgage Show-Interest Rates & The Federal Reserve-April 27,2025Listen to the Jay Garvens Home and Mortgage Show as Jay and special guest Brad Ward from CoCreate explains "Our current Interest Rates and the Federal Reserve.
2025-04-2740 minKRDO NewsRadio 105.5 FM | 1240 AMJay Garvens Home & Mortgage Show-Tariffs & The Local Economy-April 20, 2025Hey are you confused about Tariffs? Who can you trust to give you the truth? Jay Garvens after 13 years has proved he knows what he's talking about and can be trusted. Don't live in fear! Bill McAfee from Empire Title will be there to help Jay show the facts.
2025-04-2040 minKRDO NewsRadio 105.5 FM | 1240 AMJay Garvens Home & Mortgage show- "Migration-Buy-Sell Or Stay Put!" March 29, 2025Listen to the Jay Garvens Home & Mortgage show on KRDO News radio 105.5fm & 1240am on Saturday @8am and 11am on Sundays. Today as Jay talks about "Migration-Buy-Sell Or Stay Put!" He will give you the stats for Colorado and around the country. and why people are moving in or out! Special Guest in segment #3 is John the owner of Texas Roadhouse.
2025-04-1238 minKRDO NewsRadio 105.5 FM | 1240 AMJay Garvens Show -C.S. Accessory Dwelling Units-April 6, 2025Today on Jay Garvens Home & Mortgage show, Jay talks about "Colorado Springs Accessory Dwelling Units". Can you build an ADU on your property to make residual income? Jay has a special guest in segment 3 Kelsie Camron from Springs Body Sculpting will tell the listeners about their school and the income opportunities for her students.
2025-04-0640 minKRDO NewsRadio 105.5 FM | 1240 AMJay Garvens Show-Migration-Buy-Sell Or Stay Put-March 30, 2025Listen to the Jay Garvens Home & Mortgage show on KRDO News radio 105.5fm & 1240am on Saturday @8am and 11am on Sundays. Today as Jay talks about "Migration-Buy-Sell Or Stay Put!" He will give you the stats for Colorado and around the country. and why people moving in or out!
2025-03-3038 minKRDO NewsRadio 105.5 FM | 1240 AMJay Garvens Show-The Evolution Of Wood Framed Homes In America-February 8, 2025Listen to the Jay Garvens Show here on KRDO News Radio 105.5fm &
1240am at 8:00am Saturday and Sunday at 11am this week Jay shares the history of early home building with, "The Evolution Of Wood Framed Homes In America". Do you know what a balloon house is? Take a listen!
2025-02-0837 minKRDO NewsRadio 105.5 FM | 1240 AMJay Garvens Home & Mortgage Show-The Perfect Home Projects For The Off-Season-December 15, 2024This week Jay Garvens will be giving you tips on "The Perfect Home Projects For The Off-Season" There are certain projects or repairs you can do to increase the value of your home. This is the best time to do these projects because most companies are slow right now and you can get great deals! Jason Holmes from Rocky Mountain Climate will be there to help Jay Garvens in Segment #3.
2024-12-1540 minKRDO NewsRadio 105.5 FM | 1240 AMJay Garvens Show-Budgeting For Christmas- December 7, 2024Ramping up for the holidays, Jay Garvens wants to help his listeners with their money spending. Jay believes it's mostly about your budget for the holidays with focus on Christmas! Jay will have a special guest in the studio helping with another aspect of the holidays ignored, your health!
2024-12-0738 minKRDO NewsRadio 105.5 FM | 1240 AMJay Garvens Home & Mortgage Show-Insurance Explosion- December 1, 2024Jay Garvens explains "The Insurance Explosion" Soon the insurance companies will be raising their rates. Some a lot higher! Jay's information will help you protect you and your family in the new year.
2024-12-0139 minKRDO NewsRadio 105.5 FM | 1240 AMJay Garvens Show-Buy Now-Retire Later-November 17, 2024This week Jay Garvens is focused on retirement! Your retirement! It doesn't matter your age or your job title. Jay is going to explain how real estate has set him up for a very comfortable retirement. Also in segment #3 Jon Fleecs, manager/owner of the 8th Street Texas Roadhouse Restaurant with some great news to help you save money right now before Christmas.
2024-11-1739 minKRDO NewsRadio 105.5 FM | 1240 AMJay Garvens Home & Mortgage Show-Housing for Illegal Immigrants #2-October 27, 2024This week Jay Garvens is finishing up his report on "Housing Illegal Immigrants" that he started last week. With the influx of immigrants flooding into our country the strain on our economy and our housing situation is getting out of control. Jay will try to bring some light to the situation.
2024-10-2739 minKRDO NewsRadio 105.5 FM | 1240 AMJay Garvens Show-The State Ballet Measures for the 2024 election-October 12, 2024 Jay Garvens has always been an advocate for the residents of El Paso county and for the state of Colorado. This week Jay will explain the up-coming election and how it can effect Colorado directly! The title is "The State Ballet Measures for the 2024 election". Jay has a special guest Stan Vanderwerf who is running for a now open seat in our state Senate.
2024-10-1241 minKRDO NewsRadio 105.5 FM | 1240 AMJay Garvens Home & Mortgage-Fighting The Cost Of Inflation In Colorado Springs- 9-15-24This week Jay Garvens will be explaining the how and why we are, "Fighting The Cost Of Inflation In Colorado Springs". Dave Fleming from "Pella" Windows and Doors and sooo much more will be helping Jay out in the house keeping 3rd segment.
2024-09-1541 minKRDO NewsRadio 105.5 FM | 1240 AMJay Garvens Home & Mortgage Show-Colorado Springs-A History Of Giving-August 17, 2024Jay Garvens normally will talk housing and real estate and show you in comparison how Colorado Springs rates. This week Jay is talking properties! Land! He will give you a look back on gifted land and land deals that helped to shape our city into the #2 city in America to live in. Take a walk back in time and see properties you have driven by a thousand times and have no idea how they got here.
2024-08-1739 minKRDO NewsRadio 105.5 FM | 1240 AMJay Garvens Home & Mortgage Show-The Union Printers Home-A Rich History And A New Beginning-August 3, 2024Jay Garvens reintroduces Colorado Springs to the Union Printers Home located at Pikes Peak & Union Ave. A building that has sat unused for years is being renovated and expanded into it's new glory! In a 2 part special Jay will explain the long history of the printers home and the new vision of the amazing castle on the hill.
2024-08-0339 minKRDO NewsRadio 105.5 FM | 1240 AMJay Garvens Show-Home Values Up - But They're Not Selling-June 29, 2024This week in the Jay Garvens Home & Mortgage Talk Show Jay will be explaining how Home Values are Up - But They're Not Selling! Jay will explain the impact the economy has affected the real estate market and why now is the time to buy.
2024-06-2935 minKRDO NewsRadio 105.5 FM | 1240 AMJay Garvens Show-Economic Update The Real Estate Recap- June 22, 2024This week Jay Garvens will be joined in segments #1 & #2 with Bill McAfee of Empire Title to give all the listeners the "Mid Year-Economic Update". Jay will wrap up and clarify all the numbers and explain why and how to buy a home for a great deal instead of using a seller or builder deals witch is NOT a deal
2024-06-2239 min
The Jay Garvens Show8-1-20 – FIX UR UP BABY
2020-08-0143 minThe Jay Garvens Show7-25-20 – THE REALITIES OF BUYING LAND & BUILDING A HOME
2020-07-2543 minThe Jay Garvens Show7-18-20 – HOW YOU CAN MAKE SUMMER MORE FUN
2020-07-1843 minThe Jay Garvens Show7-11-20 – A STROLL THROUGH THE SMOKY MOUNTAINS
2020-07-1142 minThe Jay Garvens Show7-4-20 – INDEPENDENCE DAY
2020-07-0442 minThe Jay Garvens Show6-27-20 – PROPERTY TAXES AND MORE
2020-06-2744 minThe Jay Garvens Show6-20-20 – ALL STATES AND COUNTIES ARE NOT CREATED EQUAL-PART 2
2020-06-2043 minThe Jay Garvens Show6-13-20 – ALL STATES & COUNTIES ARE NOT CREATED EQUAL-PART 1
2020-06-1344 minThe Jay Garvens Show6-6-20 – REAL ESTATE & YOUR TAX DEDUCTIONS DURING TAX TIME
2020-06-0643 minThe Jay Garvens Show5-30-20 – INCREASED OPPORTUNITY
2020-05-3042 minThe Jay Garvens Show5-23-20 – THE MORTGAGE MIXUP
2020-05-2344 minThe Jay Garvens Show5-16-20 – THE REALITIES OF A REVERSE MORTGAGE W/KEN SMITH
2020-05-1643 minThe Jay Garvens Show5-9-20 – EXTREME HOME MAKEOVER MORTGAGE-KELSIE CAMERON
2020-05-1444 minThe Jay Garvens Show5-2-20 – A LOOK BACK AT THE COLORADO STAY AT HOME ORDER
2020-05-0241 minThe Jay Garvens Show4-25-20 – SPRING FORWARD
2020-04-2543 minThe Jay Garvens Show4-18-20 – COURAGE AND KINDNESS DURING COVID 19
2020-04-1842 minThe Jay Garvens Show4-11-20 – DEMOGRAPHICS IN REAL ESTATE
2020-04-1141 minThe Jay Garvens Show4-4-20 – DEMOGRAPHICS IN AMERICA
2020-04-0443 minThe Jay Garvens Show3-28-20 – HOUSES, HOUSES, WE NEED MORE HOUSES
2020-03-2843 minThe Jay Garvens Show3-21-20 – PAYCHECK PERCEPTION
2020-03-2142 minThe Jay Garvens Show3-14-20 – THE RUN ON RATES & REAL ESTATE
2020-03-1442 minThe Jay Garvens Show3-7-20 – THE CORONAVIRUS CORRECTION
2020-03-0744 minThe Jay Garvens Show2-29-20 – COLORADO SPRINGS LEAPING ECONOMY
2020-02-2943 minThe Jay Garvens Show2-22-20 – BEING A LANDLORD-UNDERSTANDING INVESTMENT PROPERTY
2020-02-2244 minThe Jay Garvens Show2-15-20 – THE BIGGEST BANG FOR YOUR BUCK
2020-02-1543 minThe Jay Garvens Show2-8-20 – THE REAL ESTATE VOID
2020-02-0843 minThe Jay Garvens Show2-1-20 – NEW YEARS’ HOME HEALTH CHECK
2020-02-0144 minThe Jay Garvens Show1-25-20 – WHY REAL ESTATE IS ON THE RISE
2020-01-2545 minThe Jay Garvens Show1-18-20 – Buying vs Renting in 2020
2020-01-1845 minThe Jay Garvens Show1-11-20 – SAVING MONEY & ELIMINATING DEBT IN 2020
2020-01-1144 minThe Jay Garvens Show1-4-20 – REAL ESTATE FORECAST FOR 2020
2020-01-0443 minThe Jay Garvens Show12-28-19 – REAL ESTATE REVIEW OF 2019 w/BILL MCAFEE
2019-12-2844 minThe Jay Garvens Show12-21-19 – CHRISTMAS MIRACLES
2019-12-2145 minThe Jay Garvens Show12-14-19 – HOMELESS VETS LIVE EVENT
2019-12-1444 minThe Jay Garvens Show12-7-19 – THE VA LOAN CHANGES FOR 2020
2019-12-0744 minThe Jay Garvens Show11-30-19 – THINGS WE ALL CAN BE THANKFUL FOR
2019-11-3043 minThe Jay Garvens Show11-23-19 – RARE AIR
2019-11-2344 minThe Jay Garvens ShowThe Culture of Change
You may have heard it said that the only constant thing in life is change. People, events, and circumstances are always changing, and they do so in ways that aren’t always easily predicted. While it’s folly to recklessly embrace change in all its manifestations—New Coke anyone?—it’s equally disadvantageous to reflexively resist change whenever it occurs. People need to adopt a “Culture of Change” in their lives, whereby they can identify changing circumstances in advance and adapt themselves to take advantage of any new opportunities that may arise.
As you may have heard by now, Garvens M...2015-10-0344 minThe Jay Garvens ShowLemons into Lemonade
Warren Buffett famously said that the trick to investing is to buy low and sell high. In other words, act when conditions are right to act and take cover when things turn sour. Batten down the hatches and lay low until conditions improve. I cite this bit of wisdom frequently and in many different formulations on the show, but lately I have realized this is incomplete advice. Sometimes the best time to act is precisely when things turn sour. Colloquially, it means making lemonade when life gives you lemons.
Life has been pelting us with lemons for several...2015-09-0446 minThe Jay Garvens ShowEnd of Summer
Every few months, I like to dedicate a show to exploring and discussing topics other than mortgages, real estate, and finances. Although I find these topics endlessly fascinating (and I hope you do, too!), I think it’s important to take a break from them and focus on truly important themes like family. The show’s theme this week was ‘The End of Summer,’ and I spent it recapping the adventures I had over the summer with my family, both immediate and extended. We were blessed to have made a lot of great memories throughout the summer, and it’s...2015-08-2145 minThe Jay Garvens ShowIt's Your Choice
We’ve had an incredible streak of excellent shows throughout July on the Jay Garvens Show, and we’re continuing that streak today by having Chandra Hall of Colorado Mesa Realty on to talk about the different types of properties available for purchase. Potential homebuyers will find that the options available in their local real estate market will range in styles and condition, and it’s imperative that they be educated about the positives and negatives inherent with properties of varying types and quality.
‘Condition’ is the first thing to consider when purchasing a house, as the condit...2015-07-3143 minThe Jay Garvens ShowLet’s Buy a House
There seems to be a general impression about homeownership and the home-buying process that it’s all just terribly generic—that it applies and appeals to a very specific segment of society. Many non-homeowners seem to think homeownership is only for married couples that are ready to start a family, and that once they’re ready to buy they just need to get “a loan.” In reality, homeownership appeals to a diverse range of individuals, and there are unique loan products to suit each of them. On this week’s show, I sought to dispel certain myths about who is and w...2015-07-1644 minThe Jay Garvens ShowWhen Will Lightning Strike
Here on the Jay Garvens Show, we spend a lot of time looking into the future—making predictions and forecasts in hopes of giving our investment strategies a competitive edge. Savvy investors will spend years and even decades cultivating a sound investment portfolio, but even the best cannot predict the future with absolute certainty. They will, therefore, build strategies that can accommodate events that are impossible to predict. To help explain how this looks in practice, we had Chris Abeyta of Accelerated Wealth in the studio for what may be one of the most important shows we’ve ever aire...2015-06-2645 minThe Jay Garvens ShowBubble Bath
This week was ‘bubble bath’ week on the Jay Garvens Show. But before you go and find your rubber ducky, keep in mind we’re talking about speculative bubbles—stock bubbles, housing bubbles, etc.—and the metaphorical baths people take when they burst. On this subject, I can think of no better expert than Chandra Hall of Colorado Mesa Realty, whom we were fortunate to have in the studio with us this week. With almost 20 years in the industry, she provided a first-hand account of the last housing bubble and explained why the present increase in housing prices should not be con...2015-06-1953 minThe Jay Garvens ShowDog Days in America
The “Dog Days of Summer” started a little early in the Garvens household, as we are now the proud owners of two new puppies: a Vizsla and a Yorkie. We picked up the Vizsla, whom we named Redford, over the Memorial Day weekend. The trip, while impetuous and 1,400 miles long, afforded me a lot of time to think about this country and all the blessings to be found in it. Driving through the Midwest always shows the best of what our nation has to offer, and I thought I’d share a few of the blessings I noticed along the wa...2015-06-0546 minThe Jay Garvens ShowServing Those Who Serve Part III
This week was the third part in our series titled “Serving Those Who Serve,” dedicated to, and focused on, those who have served in the military and who are interested in learning what the VA loan program in general, and what I and my mortgage company in particular, can do for them. The first two parts of the series explored the basics of the VA loan—the facts and figures of the program. This week, we’re looking at what the VA loan looks like in practice, how to use it, and what to use it for.
I can say...2015-05-0843 minThe Jay Garvens ShowServing Those Who Serve: Part II On last week’s show, we discussed the VA home loan program, its history, and my personal experience using it to acquire not only my primary dwelling but also to build a portfolio of investment properties. I also explained how my long history of originating home loans in Colorado Springs, coupled with my employees’ personal histories of both serving in the military and using the VA loan product, helped make Garvens Mortgage Group the premier home loan resource for veterans in the region. Due to the response to last week’s show, I wanted to spend this week filling in the details...2015-05-0145 minThe Jay Garvens ShowServing Those Who Serve: Part I VA BenefitsAs someone who has been originating mortgage loans in Colorado Springs for almost 20 years, I have a better understanding than most about the unique housing and financial needs of veterans. I have served in the military; most of my personal and professional acquaintances have served; and I have made it a priority to staff my mortgage company, Garvens Mortgage Group, with veterans and military-connected individuals. I have spent years building a company that is peerless when it comes to serving our city’s veterans, and I wanted to share some of what I have learned with you today.
It is...2015-04-2453 minThe Jay Garvens ShowJay Garvens: History of the Host It occurred to me recently that, with my expansion into Denver, I have the potential to reach over 3.5 million people. Yet few listeners know my backstory: where I’ve come from, where I’ve been, and how I came to be the man I am today. I thought it might benefit my new listeners—and even those who have been listening for a while—if I devoted a show to sketching out my background and biography.
As most listeners will know, I am originally from Wisconsin, where my family has wide and deep roots. The Garvens family has been settled in Wis...2015-04-1746 minThe Jay Garvens ShowGrand Illusion: Renting vs. Owning
Regular listeners of my show will recall that I have been an avid real estate investor for several years. I took a brief hiatus from investing around 2008 when I realized the housing market was heading for a massive crash, selling off all my rental properties. I waited out the economic uncertainty of the next couple years before I began acquiring new properties, and I am now under contract with my fifth property. Clearly the current rental market offers a golden opportunity for savvy investors, but surprisingly few people understand how to take advantage of it!
Real estate has...2015-03-2045 minThe Jay Garvens ShowLet’s Get This Thing StartedIf you’ve been following the Jay Garvens Show since the start of the year, then congratulations! You’ve completed my crash-course in real estate and demographics. You know where the economy has been, where it’s going, and, most importantly, why it’s going where it’s going. You’re now ready to build on that knowledge, practice what you’ve learned, and prepare yourself and your family for the immediate future, when numerous financial and economic opportunities will present themselves.
Most individuals and households already know what to do to make their financial situations stronger and less precarious. Fe...2015-02-1343 minThe Jay Garvens ShowYour Demographics in America January was quite the demographics marathon on the Jay Garvens Show, with this week’s show being the fourth in a row on the subject. I know you’re wondering: “How can someone stack four shows on top of each other and not reach a conclusion?” Well, this week’s show reaches a conclusion of sorts; it takes the knowledge we’ve gained throughout the month and explains what it all means to you.
Demographic data and trends have real, tangible effects on all individuals. They aren’t just abstract economic trivia you hear about on the news; they’re the reason the econ...2015-02-0644 minThe Jay Garvens ShowDemographics in Your Own BackyardWe are absolutely thrilled to welcome a whole new listenership to the Jay Garvens Show, as this week marked our inaugural show on 760 AM in Denver. They will be joining our established audience on 1240 AM here in Colorado Springs. To mark the occasion, we brought in Colorado Springs’s premier real estate expert, Bill McAfee of Empire Title, to talk about our local markets and treat our new Denver audience to the keen insights and unique analysis that our Colorado Springs audience has come to expect each time Bill is a guest on our show!
I’ve discussed demographics a lo...2015-01-3045 minThe Jay Garvens ShowLet’s All Reach For ChangeWe cover a lot of diverse topics on The Jay Garvens Show, from mortgages and real estate to finance and global markets, but every once in a while it’s crucial to focus on a smaller and more immediate topic: ourselves. As individuals we seldom make headlines and therefore think our actions don’t matter; we’re more interested in the grand scale and scope of global markets, and so we put ourselves on the back burner. And so, for this week’s show, I pivoted away from our usual focus on markets and finance toward more personal issues.
But, bef...2014-11-2843 minThe Jay Garvens ShowCan’t See the Forest Through the TreesWhen the market goes up, everyone cheers; when the market goes down, everyone panics. This year alone saw the stock market reach record highs and the bond market reach near-record lows—several times! People react to every sign and omen, even when those signs and omens tell them contradictory things. They obsess over each detail so incessantly that they miss the broader trends. That is, they can’t see the forest through the trees.
One recent example of this phenomenon occurred on October 15th, 2014. In a blink-and-you-miss-it moment, US Treasuries dipped below 2% for the first time in almost 18 months. This...2014-11-0744 minThe Jay Garvens ShowReady, Set, Invest!Contrary to what you may have heard, investing should not be sexy. Fast-paced, high-risk, get-rich-quick trading is not investing—it’s gambling. Good investors should be prudent, patient, and bored to death, and the investing instrument most conducive to this approach is real estate. Unfortunately, real estate has a reputation for being complicated, risky, and reserved only for elite and extremely savvy investors. In fact, real estate is an ideal investment for everyone, regardless of income level. On August 19th, I’ll be holding a home-buying class specifically for investment properties. This week’s show laid the groundwork for that class.2014-08-1544 minThe Jay Garvens ShowMoney and Budgets: It’s a PuzzleThe subject of this week’s show is the most riveting subject on earth: Budgeting! I say this only half-jokingly because once you know the power and importance of budgeting—and most people don’t—it becomes an fascinating topic. Sure, a lot of fun stories involve mismanaging money and blowing your mortgage payment at the roulette table. But when you’ve found financial peace after years or decades of debt, you’ll never want to go back to being a profligate spendthrift—and when someone starts talking about budgeting, you’ll listen closely!
For most of us, our financial habits...2014-07-2544 minThe Jay Garvens ShowPatriot Tales and the Women of the RevolutionEveryone has a story worth telling. I’ve learned this from my time in the mortgage industry and on the radio, having helped thousands of individuals with their mortgages and having talked with thousands more who have called into the show. This is inevitable, I suppose; when you help finance someone’s home—the place they live or want to live—you’re bound to hear their story: where they’ve been and what brought them to this place in their life. Being in Colorado, most of these stories involve the military in one way or another. That’s why this week’s sh...2014-07-0545 minThe Jay Garvens ShowStory of a VetMuch as I enjoy talking about the real estate and mortgage industries, I find it refreshing to dedicate the occasional show to other important topics. This week, the subject was veterans and their stories. If you’ve ever met a veteran, or a relative of a veteran, then you’ve no doubt witnessed the passion and reverence with which people talk about them. Every veteran has a story, and it’s a true blessing to share these stories with you.
During my time on the air, I’ve made constant reference and allusion to my time in the military. The firs...2014-05-3045 minThe Jay Garvens ShowSpring has Sprung: The Purchase Wave to ComeSpring is here—finally!—and I for one am glad to bid farewell to winter. Economically, this winter was a season of uncertainty. The economy was sputtering, the full effects of the sequester had been realized, new housing starts had plummeting, home purchases evaporated, and yet the Fed continued tapering. Interest rates spiked then receded, and we have been riding a subtle rollercoaster ever since.
Nobody was quite certain what the new year would bring, and many worried that the fourth quarter slowdown in home purchases would continue throughout the first and second quarters of this year. Happily, this is n...2014-05-0246 minThe Jay Garvens ShowGovernment Stimulus & Buyer Beware: Jedi Mind Tricks When Buying a HouseWe are now effectively five years into the government’s 2009 stimulus program. How’s that going for us? To save the banking system and revive the economy, the government tried TARP, tax cuts, tax hikes, and stimulus spending. It went nuclear with QE, and then went nuclear again with QE2 and QE3. I suspect this will go on for QE-ternity. All this to say: When it comes to stimulating the economy, the government is all thumbs.
The government believes it can achieve prosperity through fiat—that the right combination of regulation, spending, and tax hikes will produce wealth...2014-04-2345 minThe Jay Garvens ShowWhat’s In a New Years Resolution?2014 promises to be a year of possibilities—a year of change, progress, and success! Or not. It may be another bust. For most, it will surely be another bust. A year is what you make of it. That’s why many Americans—45% to be exact—wisely resolve to make their new year better than the year before. Unfortunately, only 8% of the 45% who make New Years resolutions actually succeed, with 25% quitting within the first week! That’s why we’re focused this week on New Years Resolutions: what they are, why they fail, and how to approach them to ensure success.
Each y...2014-04-0850 min