Francine Mira Rutherford County NC Real Estate

Francine Mira Rutherford County NC Real Estate Rutherford County, NC REALTOR® | Local real estate, market insights & homebuyer education. Helping you understand the house AND the financing.

Rutherford County REALTOR® | Local real estate, market insights & homebuyer education. Mathewson Mortgage Capital LLC NMLS #2494312
Mortgage Broker
NMLS #2603041
Equal Housing Opportunity www.nmlsconsumeraccess.org

🌲 Your “I just want some land in the mountains” plan? It’s listed for $44,900.📍 146 S Branch Drive | Bostic, NC4.46 ACRE...
09/11/2026

🌲 Your “I just want some land in the mountains” plan? It’s listed for $44,900.

📍 146 S Branch Drive | Bostic, NC
4.46 ACRES in the Fork Mountain community!

And here’s the part worth a closer look… 👀

✅ 200-amp underground electricity connected
✅ Extensive grading and clearing already completed
✅ Gravel access improvements
✅ Wooded surroundings with room to breathe
✅ 800 sq. ft. minimum building requirement

Picture a smaller home, a big porch, and coffee that you actually get to drink while it’s hot. ☕🌄

Well and septic needed. POA dues approximately $200/year. Building and use restrictions apply; manufactured homes are not permitted.

📲 Message me “BOSTIC” for photos, property details, and a private tour.

Know someone who keeps saying, “Someday I’m buying land”? Send them this. Their someday deserves a look.

Francine Mira | REALTOR®
RE/MAX Journey
📱 704-974-6460 | Office: 828-395-2222

🏡 Buying, selling, or just trying to figure out your next move?I created FrancineMira.com to make real estate a little e...
09/09/2026

🏡 Buying, selling, or just trying to figure out your next move?

I created FrancineMira.com to make real estate a little easier to navigate.

You can find:
• Homes for sale
• Homebuyer and seller resources
• Local real estate information
• Mortgage and financing education
• Ways to connect with me directly

Whether you’re ready now or simply doing your homework, start here:

🌐 FrancineMira.com

Local knowledge. Real answers. One place to start.

New on the Market
09/05/2026

New on the Market

New on the Market
09/05/2026

New on the Market

COMING SOON IN BOSTIC | $259,900SHOWINGS BEGIN SEPTEMBER 5THOkay... this one has SPACE.Welcome to 168 Gun Club Rd, Bosti...
09/04/2026

COMING SOON IN BOSTIC | $259,900
SHOWINGS BEGIN SEPTEMBER 5TH
Okay... this one has SPACE.
Welcome to 168 Gun Club Rd, Bostic, NC, offering approximately 2,052 sq ft on 1 acre with an interior that feels open, bright, and much bigger than you might expect from the outside.
Step inside and you'll find:
✨ Open-concept living
✨ Large kitchen island with bar seating
✨ Stainless appliances
✨ Plenty of cabinet and counter space
✨ Spacious primary suite
✨ Double vanities + garden tub
✨ Flexible space for a home office, hobby room, playroom, or additional living area
✨ Attractive wood-look flooring throughout much of the home
And outside, there's even more to love:
1 usable acre
Established blueberry bushes
Pear trees
Covered front porch
Covered carport
Detached garage/storage building
🌿 Plenty of room to enjoy the outdoors
And you're still less than 5 miles from downtown Forest City.
This is one of those homes where the pictures catch your attention, but once you step inside, you realize just how much space you're actually getting.
💰 Offered at $259,900
📍 168 Gun Club Rd, Bostic, NC
📅 Coming Soon | Showings start September 5th
Want to be one of the first through the door? Message me now to get your showing lined up.
Francine Mira, REALTOR®
RE/MAX Journey
📱 704-974-6460
📧 [email protected]
RE/MAX Journey
121 Laurel Drive
Rutherfordton, NC 28139
☎️ 828-395-2222

Selling your home is more than putting a sign in the yard and uploading photos.The work you do before the listing goes l...
08/28/2026

Selling your home is more than putting a sign in the yard and uploading photos.

The work you do before the listing goes live can affect how quickly the home sells, how buyers respond, and how much negotiating power you have later.

Here are 7 things I want sellers to think about before we list.

Price it based on the market, not emotion.

What you paid for the home, what you need to make, and what your neighbor says their house is worth are not the same thing as current market value.

We need to look at recent comparable sales, current competition, condition, location, upgrades, and what buyers are actually responding to.

The goal is not to pick the highest number.

The goal is to position the home correctly.

Fix the things buyers will notice immediately.

You do not necessarily need a full renovation.

Sometimes the best return comes from simple things:

Fresh paint

Touch-up repairs

Caulk and grout

Updated light fixtures

Clean landscaping

Pressure washing

Decluttering

Replacing broken or worn items

Small details can change the way a buyer feels about the entire house.

Do not hide known problems.

If there is an issue with the roof, HVAC, moisture, septic, well, structure, or another material condition, we need to address disclosure requirements correctly.

Trying to hide a problem usually creates a much bigger problem later.

Make the home easy to show.

Buyers often have limited schedules.

The easier your home is to access, the more opportunities we have to get qualified buyers through the door.

That does not mean you lose control of your home.

It means we create a showing plan that makes sense before the listing goes active.

Understand your actual proceeds.

The sales price is not the same thing as the amount you walk away with.

A seller may have expenses such as:

Mortgage payoff

Real estate commissions or compensation

Attorney or closing expenses

Property taxes or prorations

Repairs

Seller credits

HOA-related fees

Liens or other payoffs

Before listing, I like sellers to understand the estimated net, not just the asking price.

Prepare for inspection and appraisal.

Even after you accept an offer, the transaction is not finished.

Depending on the buyer and financing, there may still be:

Home inspection

Termite inspection

Well and septic evaluations

Appraisal

Repair negotiations

Insurance questions

Title issues

Loan conditions

A strong listing strategy includes thinking ahead to what could affect the transaction later.

Presentation matters.

Photos matter.

Cleanliness matters.

Lighting matters.

Furniture placement matters.

And yes, the way the home smells when buyers walk through the door matters too. 😂

You only get one first impression when the listing hits the market.

I want that first impression working FOR you.

My job as your REALTOR® is not simply to put your home on the MLS.

It is to help you prepare it, position it, market it, negotiate it, and protect the transaction all the way to closing.

If you are thinking about selling, even if you are a few months away, that is actually a great time to start the conversation.

We can figure out what is worth doing before you spend money on things that may not improve your sale.

Francine Mira | REALTOR®
RE/MAX Journey
NC REALTOR® License #326076
121 Laurel Dr., Rutherfordton, NC 28139
Cell: 704-974-6460
[email protected]
[email protected]

Francine Mira | Mortgage Loan Originator
Mathewson Mortgage Capital LLC
Company NMLS #2494312
Francine Mira NMLS #2603041
649 S Post Road, Shelby, NC
Cell: 828-429-8368
[email protected]

Each Office Independently Owned and Operated.

Buying a home with a well and septic system?It is not a bad thing at all.But it is different from buying a home connecte...
08/27/2026

Buying a home with a well and septic system?

It is not a bad thing at all.

But it is different from buying a home connected to public water and sewer, and there are a few extra things buyers should understand before closing.

Let’s break it down.

SEPTIC SYSTEM

A septic system handles the home’s wastewater on the property instead of sending it to a public sewer system.

One of the first things I want to verify is the septic permit.

Why?

Because the septic permit can determine how many bedrooms the property is legally designed to support.

A home may physically have four rooms being used as bedrooms, but if the septic permit is only approved for three bedrooms, that matters.

North Carolina brokers are expected to verify septic information and not simply rely on an old MLS listing.

During due diligence, I generally recommend having the septic system professionally evaluated.

Depending on the property and system, the inspection may include things like:

Tank condition

Liquid levels

Inlet and outlet components

Baffles

Drain field condition

Signs of sewage backup or failure

Location of the tank and drain field

Any obvious drainage or saturation concerns

If the ground around the septic area is unusually wet or smells like sewage, that is definitely something to investigate further.

And here is another thing buyers sometimes overlook:

Know where the septic system and drain field are located.

You do not want to plan a future pool, garage, addition, driveway, or other improvement over an area that needs to remain available for the septic system.

WELL WATER

A private well means the property has its own water source rather than being connected to municipal water.

That also means the homeowner becomes responsible for maintaining that water source.

I recommend testing the well water during due diligence.

Water testing can look for concerns such as bacteria and other contaminants, and North Carolina allows private well sampling through local health departments.

Depending on the property, buyers may also want to evaluate:

Water pressure

Well pump operation

Well depth and available records

Condition of the well head

Location of the well

Distance from the septic system

Water quality

Flow or yield concerns

Any treatment or filtration system

And yes, the water can look perfectly clear and still have something in it that you cannot see.

That is why testing matters.

WHAT IS DIFFERENT FROM CITY WATER AND SEWER?

With public utilities, you typically receive a monthly water and sewer bill and the municipality maintains the larger infrastructure.

With well and septic, you generally do not have a monthly municipal water and sewer bill, but you are responsible for maintaining your own systems.

That means planning for things like:

Septic pumping

Septic repairs

Well pump replacement

Water filtration

Water testing

Drain field maintenance

Unexpected repairs

So instead of paying the city every month, you need to think more long-term about maintenance.

WHAT SHOULD A BUYER CHECK?

Before closing on a well and septic property, I want my buyers asking:

Is there a septic permit?

How many bedrooms is the septic system approved for?

Where are the tank and drain field?

When was the septic system last serviced or pumped?

Has the septic system been inspected?

Has the well water been tested?

Are there any water-pressure concerns?

Are there treatment or filtration systems?

Are there records for the well?

Are there any signs of drainage, moisture, sewage odor, or contamination?

The due diligence period is exactly when buyers should investigate these kinds of property issues. North Carolina specifically identifies septic inspections as one of the common due diligence investigations buyers may choose to complete.

One more thing.

A well and septic home can be a fantastic property.

I just do not want a buyer discovering after closing that the “four-bedroom house” has a three-bedroom septic permit or that the well needs thousands of dollars of work.

That is why we investigate first.

Buying the house is exciting.

Understanding what you are buying is even more important.

Francine Mira | REALTOR®
RE/MAX Journey
NC REALTOR® License #326076
121 Laurel Dr., Rutherfordton, NC 28139
Cell: 704-974-6460
[email protected]
[email protected]

Francine Mira | Mortgage Loan Originator
Mathewson Mortgage Capital LLC
Company NMLS #2494312
Francine Mira NMLS #2603041
649 S Post Road, Shelby, NC
Cell: 828-429-8368
[email protected]

Each Office Independently Owned and Operated.

Large deposits can create big questions during underwriting.And no, it’s not because the lender thinks the money isn’t y...
08/26/2026

Large deposits can create big questions during underwriting.

And no, it’s not because the lender thinks the money isn’t yours.

It’s because the lender may need to document where the money came from.

When you apply for a mortgage, underwriting is reviewing your assets to make sure the funds being used for your down payment, closing costs, and reserves are acceptable and properly sourced.

So if a large deposit suddenly shows up in your bank account, they may ask for documentation.

Examples can include:

Gift funds
Sale of a vehicle or other property
Transfers between accounts
Business income
Cash deposits
Money from family
Proceeds from selling personal items

The easier the paper trail, the easier the conversation.

For example, if you sold a vehicle, underwriting may ask for a bill of sale and proof that the funds were deposited into your account.

If the money was a gift, there may be gift documentation required.

If you transferred money from another account, they may need statements showing where the money originated.

And cash can be especially difficult because there may be no way to verify the source.

This is why I tell buyers:

Before moving large amounts of money, depositing cash, receiving gift funds, or selling something to help with your home purchase, talk to your lender first.

A five-minute conversation before the deposit can save you from days of trying to recreate a paper trail later.

The money may absolutely be yours.

The lender just needs to be able to document it.

If you are preparing to buy a home, start keeping your finances clean, organized, and easy to trace.

It makes the mortgage process much smoother.

Francine Mira | Mortgage Loan Originator
Mathewson Mortgage Capital LLC
Company NMLS #2494312
Francine Mira NMLS #2603041
649 S Post Road, Shelby, NC
Cell: 828-429-8368
[email protected]

Francine Mira | REALTOR®
RE/MAX Journey
NC REALTOR® License #326076
121 Laurel Dr., Rutherfordton, NC 28139
Cell: 704-974-6460
[email protected]
[email protected]

Each Office Independently Owned and Operated.

Price Reduction
05/21/2026

Price Reduction

Price Reduction
05/21/2026

Price Reduction

Address

Charlotte, NC

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