Branch Manager

Desiree Gardner

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Since the year 2000 Desiree has been making the dream of homeownership a reality for hundreds of families. She is dedicated to finding the best possible mortgage solutions for every situation and makes customer service her number “1” priority which is why 99% of her business comes from referrals and repeat clients.

Desiree wants to be your lender for life and looks forward to working with you and exceeding your expectations! She strives to provide the highest level of personalized service, professionalism, and expertise. She will educate her customers in a clear and concise manner to ensure a smooth application, timely approval, and a prompt closing.

Part of the Gardner Lending Group.

To start your home financing journey, apply with our partner Amanda Dunn.

Introducing the My City Home Loans Mobile App

Enjoy a modern mortgage experience with the freedom to explore all your mortgage options and navigate through the loan process all from your mobile device.

Hear what Customers are saying about


Love this team ... Truly 5 star in every aspect! .. Great service, Great rates, consistently going above and beyond to help the customer!

Sandeep G - Google review

I am so pleased with Desiree Gardner! She made our process of closing on a home so easy. We had to reschedule and push back things multiple times due to hurricane Ian and she was so understanding and always took care of things in a timely manner. Any time I was stressed or worried she always responded and made me feel comfortable. Thank you again Desiree!

Bridget L Google review

Desiree and her team were absolutely amazing through the entire process of buying our first home. She gave us tips from the start of how to boost our credit and get the best rates. During the whole loan process, Desiree and her team were on top of their game and were always a step ahead. We never knew buying a home could be so easy! We couldn’t recommend Desiree and her team enough!!

Megan M- Google review