 Jay Garvin's here. Many people know me as the host of the Jay Garvin Show, Home and Mortgage Talk. I'm also a local licensed loan originator with Churchill Mortgage, the exclusive referred lender of Dave Ramsey. Call me today at 719-330-1457 for help with your next purchase or refinance mortgage. Tune in to the Jay Garvin Show every Saturday at 8 a.m. and Sundays at 11 a.m.