Desiree Gardner NMLS# 378590

09/04/2026

Rates moved higher during the week ending September 4, 2026, due to rising bond yields and expectations of a possible September Fed policy rate hike. Desiree Gardner Team - My City Home Loans is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

09/01/2026

Did you know your closing date can affect your closing costs?

The day you close can impact how much prepaid interest you pay at closing. Mortgage interest is typically paid in arrears, so depending on your closing date, you may owe more or less interest upfront for the days remaining in that month.

💡 Closing earlier in the month generally means more days of prepaid interest, while closing later usually means fewer.

Thinking about buying? Let’s talk about how your closing date could impact your cash to close!

08/28/2026

Rates improved slightly during the week ending August 28, 2026, despite a report showing stubbornly high inflation. Desiree Gardner Team - My City Home Loans is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

08/24/2026

🏡 Florida Housing Market Update | July 2026 Stats

The Florida housing market continues to show some interesting shifts, with inventory giving buyers more options and sales activity varying across property types.

What does this mean for you? Whether you're thinking about buying, selling, or simply wondering if now is the right time to make a move, understanding the market is key.

📲 Let’s talk about your options and create a strategy that works for you!

08/21/2026

Rates moved higher during the week ending August 21, 2026, due to pressure from global bond concerns and rising oil prices. Desiree Gardner Team - My City Home Loans is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

08/14/2026

Mortgage rates moved slightly lower during the week ending August 14, 2026, as consumer and wholesale inflation data eased rate-hike concerns. Desiree Gardner Team - My City Home Loans is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

08/12/2026

📉 Market Update: What’s Happening in Florida?

The MBS Highway National Housing Index fell 5 points in August 2026 to 27, as seasonal trends were compounded by elevated mortgage rates.

But here’s what stands out for Florida & the Southeast: 🏡
➡️ Buyer activity increased from 27 to 28
➡️ Price direction cooled from 23 to 18
➡️ Both remain below the 50-point mark, signaling a contracting market.

For buyers, this could mean more negotiating power and opportunities as competition and price pressure ease.

Thinking about buying or wondering what today’s market means for you? Let’s talk financing and find out what options may fit your goals. 🏠