Cecilia Ponce De Leon

Meet Cecilia Ponce De Leon, a dedicated Southern California realtor specializing in the beautiful regions of San Bernardino and the California mountains. With a deep understanding of the local market and a passion for helping clients find their perfect homes, Cecilia shares stunning listings that capture the essence of these picturesque areas. Whether you're looking for a serene mountain retreat or a charming home in San Bernardino, Cecilia is committed to providing exceptional service and expert guidance every step of the way. Let Cecilia Ponce De Leon be your trusted partner in discovering your dream home in Southern California.Contact her here: Website: southerncalrealtor.comEmail: cecponcedeleon@gmail.comPhone Number: +1 909-631-9960Facebook:

Appraisal Fee Rebate

Applies to all purchase loans applications by December 31, 2024.Loan amount from 40,000 to 250,000, will get a $200. Loan amount from $250,001 to 500,000, will get a rebate of $400. Loan amount from $500,001 plus, will get a rebate of $600.All rebates will be provided within 60 days of closing, in the form of Visa, Mastercard or gift cards.

Top 3 Reasons Why You Should Purchase Now

Purchasing a house now can offer several significant advantages, especially in the current market conditions. Here are the top three reasons to consider buying a home now, with a detailed explanation for each:1. Higher Rates Equals Fewer BuyersHigher mortgage rates often deter many potential buyers from entering the market, which can work in your favor. When interest rates rise, the cost of borrowing increases, leading to a reduction in the pool of buyers. This decreased competition means that you are less likely to find yourself in a bidding war, making the home-buying process less stressful and potentially less expensive. Sellers, aware of the reduced demand, may be more willing to negotiate on price, closing costs, and other terms of the sale. Consequently, you might secure a better deal than you would in a more competitive market with lower interest rates.2. No Overbidding or Releasing ContingenciesIn a hot real estate market, buyers often feel pressured to overbid on properties and waive important contingencies, such as home inspections or financing clauses, to make their offers more attractive. These practices can lead to paying more than the property's market value and taking on significant risks. In contrast, a market with higher interest rates and fewer buyers reduces the need to engage in such aggressive tactics. You can make offers at or below the asking price, and you can include standard contingencies that protect your interests. This ensures you are not overextending financially and that you have recourse if issues arise during the home inspection or financing process.3. Better Selection of HomesWhen the market cools due to higher interest rates, homes tend to stay on the market longer. This gives you a broader selection of properties to choose from and more time to make a considered decision. You are not under the same pressure to act quickly before a desirable property is snatched up. Additionally, with a slower market, sellers may be more motivated to make their homes appealing by reducing prices or making necessary repairs and upgrades. This improved selection and the ability to take your time can lead to finding a home that better meets your needs and preferences.ConclusionIn summary, buying a house now can be advantageous due to the reduced competition resulting from higher interest rates, which allows for more favorable purchasing conditions such as not overbidding or waiving contingencies. Additionally, the market slowdown provides a better selection of homes, giving you the opportunity to make a more informed and less pressured decision. These factors together can lead to a more advantageous and less stressful home-buying experience.


"We were impressed with Derek’s professionalism and efficiency while he helped us refinance our home loan. The process was quick and he was able to save us money. We would recommend Derek to all our friends and family in the future."

mr. & mrs. stufkosky

"Derek and his team were a pleasure to work with! They stayed in communication through our entire process. Answering any questions we had and ensuring we were getting the best rates, while closing our deal in our timeline. I would highly recommend Derek in any financing needs!"

travis metcalf

"Derek did an excellent job in getting us i to our dream home. He was quick and diligent in his work, but took the time to explain all the ins and outs to us. He was polite and excellent in communication. Derek offered us many options to choose from and in the end did not just help us get our mortgage loan, gave us financial advice to better secure our future. Would recommend 100%"

amanda prietto