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|  | | Joan and Leroy, |
 Since 1984, Joan Mikeska has been helping families just like yours buy and sell homes. In fact, she likes to say that she has been "putting people in their places? with tender loving care?for many years." Joan has 15 plus years experience in the corporate world of specializing in marketing, sales, finance, and relocation to better serve both buyers and sellers. Joan specializes in providing the services that are important to YOU. You can experience, with her big smile, the energy, enthusiasm, and the proven track record of Joan Mikeska in your next real estate transaction! Joan Mikeska has an incredible team working for her starting from her secretary, then to her staff, and professional sales team. Joan's main assistant is Leroy, her husband and business partner. Leroy is a Texas native to this area and since Joan has been around nearly 40 years, she is considered "Texan". Too. When Joan is busy in meetings or showing homes, Leroy can answer any questions your have and you receive the added value of two real estate professionals' expertise working for you. 
 | | | Joan and Leroy on the road. | |
Joan and Leroy Mikeska believe by combining their effort, it enables them to better serve their clients and raise their business to a much higher level. Joan loves to travel, read, shop and is an avid cook, both gourmet and down home style. What does this mean to you? She has outlets she enjoys to release the tension and stress that the ever-challenging real estate market creates where she can cope with moving you as trouble free as possible. Joan Mikeska Does Make A Difference.
|  | | | Joan loves to travel. | |
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Making An Offer >Creative Offers
Putting together an offer on a home is easy if the buyer has a lot of money, a terrific job and impeccable credit. Many buyers are not in that precise situation, however. And while sellers like to get their asking price, good listing agents prepare them for the possibility of receiving offers that involve some compromises.
Successful real estate agents know how to put together creative offers and do whatever it takes to make a transaction work. If a buyer is low on cash, the agent may structure an offer that shifts closing costs to the seller, minimizing the amount of cash that the buyer needs to close. A variation of a lease purchase arrangement might be effective if a buyer has recently changed jobs or is self-employed. Owner-financing for part of the loan can make a difference in some cases. If your agent brings you a complex offer designed to get a buyer into your home, don't say "no" until you understand the offer.
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| Q |
What is a Balloon Mortgage?
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| A |
A balloon is a short-term mortgage which requires the entire balance of the loan to be re-paid at the end of the loan term.
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