Francine Mira Mortgage Broker NMLS 2603041

06/07/2026

🚨 The mortgage rate you see online may not be the rate you qualify for.

Many buyers don’t realize that rates are based on:

•Credit Score
•Down Payment
•Loan Program
•Debt-to-Income Ratio
•Property Type

In fact, two buyers purchasing the same home can receive different rates and loan terms.

Why?

Because we don’t fit people into a box. Every buyer’s financial situation is unique, and your mortgage should be tailored to your goals, not based on a one-size-fits-all approach.

Instead of asking:

❌ “What’s the rate today?”

Ask:

✅ “What rate do I qualify for?”

A personalized pre-approval helps you understand your true buying power and the options available to you.

🏡 Thinking about buying a home? Let’s have a conversation.
Francine Mira
Mortgage Loan Originator
Mathewson Mortgage Capital
NMLS #2603041

📱 Call/Text: 828.429.8368
📧 [email protected]

04/21/2026

Create a stunning driveway that handles water and looks amazing.

Permeable pavers aren't just beautiful — they let water soak through, reduce pollution, and keep your driveway safer in wet weather.

04/20/2026

Market Update is a thriving area! Check out this new listing right away!
- Francine Mira #326076 with RE/MAX Journey
- Contact me at 704.974.6460

Investor/renovation special with potential in a desirable...

04/19/2026

Save money on your move with these expert tips and tricks.

Moving out of state is affordable with U-Pack. Learn how we offer the cheapest moving option and how to save even more money on your move.

04/18/2026

Get to know the common traits of highly effective employees.

Discover the top work qualities that employers seek in job candidates. From communication skills to teamwork, learn how to stand out in your job search and interview.

04/17/2026

¿Tienes ITIN? Puedes comprar una casa.
Si tienes un Número de Identificación Personal del Contribuyente (ITIN) en lugar de un Número de Seguro Social — sí puedes calificar para un préstamo hipotecario.

Tengo acceso a programas de préstamos diseñados específicamente para compradores con ITIN.

Lo que generalmente se necesita:
✔ ITIN válido
✔ Historial de crédito establecido
✔ Comprobante de ingresos (W-2, 1099, estados de cuenta bancarios)
✔ Carta de referencia de arrendamiento o servicios públicos

Si tienes preguntas o no sabes si calificas — escríbeme. La consulta es gratis y confidencial.

📞 828-429-8368
NMLS #2603041 | Mathewson Mortgage Capital NMLS #2494312 | Igualdad de Oportunidades en Vivienda

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ITIN holders can qualify for a mortgage. I work with buyers who don't have a Social Security number. Message me — the conversation is free and confidential.

04/16/2026

Make this wall-mounted desk for your home.

Hey there, fellow DIY enthusiasts! Robert Kline, your friendly neighborhood art and craft aficionado, here. Today, we're diving into a project that combines

04/14/2026

An organized garden layout supports better growth and easier care.

In movies and picture books, vegetable gardens are depicted in perfectly spaced layouts, with symmetrical rows of plants. Home gardeners rarely achieve that, because growing plants isn't orderly. But you can. Here's how.

04/13/2026

FHA 203K — the renovation loan most buyers don't know exists
In Rutherford County, a lot of the available homes need work. That's actually an opportunity — if you know about the right loan.

The FHA 203K loan lets you buy a home AND finance the renovation in a single mortgage.

You can use it for:
• Roof, HVAC, plumbing, electrical
• Kitchen and bathroom updates
• Structural repairs
• Accessibility modifications

Instead of needing a separate construction loan or paying cash for repairs, it's all rolled into one monthly payment.

This loan is more complex to originate — which is why a lot of loan officers avoid it. I work with it regularly.

📞 828-429-8368 | francinemira.com
NMLS #2603041 | Mathewson Mortgage Capital NMLS #2494312 | Equal Housing Lender https://francinemira.com/renovation-loans-explained-fha-203k-and-fannie-mae-homestyle/

If you’ve ever walked into a home and thought, “This could be perfect… if it just had a new kitchen, updated bathrooms, or a repaired roof,” you’re not alone. Renovation loans are designed for exactly that situation. Two of the most common options are the FHA 203(k) and the Fannie Mae Home...

04/12/2026

NMLS #2603041 | Mathewson Mortgage Capital NMLS #2494312 | Igualdad de Oportunidades en Vivienda

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This review from Georgina in Spindale reminds me why bilingual mortgage service matters. Every family deserves to understand every step of the process in the language they're most comfortable with.