Desiree Gardner NMLS# 378590

06/12/2026

Rates moved higher during the week ending June 12, 2026, after data showed increases in both wholesale and consumer 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.

06/09/2026

📊 The latest housing data shows a shift in market momentum.

The MBS Highway National Housing Index dropped from 47 in May to 38 in June, reflecting slower buyer activity and a cooling in home price growth.

What does that mean for you? In many markets, buyers may have more opportunities, less competition, and increased negotiating power than we've seen in recent years. 🏡

Every market is local, and the right strategy depends on your goals. Whether you're thinking about buying, selling, or refinancing, I'm here to help you navigate today's changing market.

📲 Reach out today to discuss your options and create a plan that works for you!

06/05/2026

Rates were flat during the week ending June 5, 2026, as peace talks in the Middle East continued to drag on with no new progress. 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.

05/29/2026

Self-employed? Entrepreneur? Gig worker? Influencer? Small business owner?

Traditional loan programs don’t always work for unique income situations — but that doesn’t mean homeownership is out of reach. 🏡✨

Our Ally No Ratio Program was built for borrowers with complex income scenarios, including online business owners, artists, vloggers, cash-based businesses, and more.

✔ No income verification
✔ No employment verification
✔ No debt-to-income requirements
✔ FICOs down to 620
✔ Up to $3M loan amounts
✔ First-time homebuyers welcome with only 2 months reserves required
✔ Crypto can be used for down payment & reserves
✔ Finance owner-occupied or second homes

With flexible qualifying options, this program opens doors for borrowers who don’t fit the traditional box.

Florida living — or your next investment — starts with the right loan program. Want to learn more? Reach out today! 📲

05/29/2026

Rates improved during the week ending May 29, 2026, as markets anticipated a peace deal. 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.

05/27/2026

From February to March, U.S. home prices rose 0.7% before seasonal adjustments. After accounting for normal seasonal trends, prices were down a modest 0.2%. Overall, home values are still 0.7% higher than a year ago.

05/22/2026

Rates crept higher during the week ending May 22, 2026, as inflation fears continued to drive up bond yields globally. 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.

05/20/2026

Florida’s housing market is continuing to shift this spring! 🌴🏡

Single-family homes are still showing steady value growth, while condos and townhomes are seeing increased inventory and longer time on market. Whether you’re buying, selling, or refinancing, understanding today’s market trends can help you make smarter moves with confidence.

Florida living starts with the right home loan. Ready to make your move? Let’s connect and talk about your options today! 📲✨

05/15/2026

Mortgage rates creeped higher during the week May 15, 2026, as both wholesale and consumer inflation jumped. 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.