https://www.jaygarvens.com/wp-content/uploads/2026/08/7-18-26-Jay-Garvens-Show-Mid-Year-Market-Evaluation-20-Small-Finished.mp3Listen to the Jay Garvens Home & Mortgage Show as Jay and his special guest, Ken Smith, from Churchill Mortgage delivers the mid-year Market Evaluation 2.0 here on KRDO News Radio 105.5FM and 1240AM

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