Joanna's Team is the trusted name of buyers and sellers for the past 20 years!!! call 928-505-2777 or 1-888-HAVASU1

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Welcome > Agent Info > About Joanna's Team ...

Meet Joanna's Team

Call the #1 Real Estate team, Joanna & Associates Realty. A boutique real estate firm, family owned and operated, with a large inventory of existing, new, and custom built homes as well as commercial, land and investment properties.

Whether you’re a first time home buyer or seasoned investor you’ll just love how we treat you like family! We make your buyer experience hassle-free and fun.

Joanna is ranked in the top 5% of all Realtors nationwide in number of sales. Joanna has been Havasu’s leader in listings and sales for more than a decade. Call the team today to experience real estate with Lake Havasu City's #1 team and only boutique real estate firm.

Meet Joanna and each member of her team individually by visiting her Meet Our Associates page on this website!

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School Reports in Lake Havasu City, Bullhead City and Kingman, Arizona

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First Time Buyers >Credit Card Common Sense

If you are buying a home for the first time, you need to establish a reasonably good financial foundation before a lender will approve you for a mortgage loan. Lenders look for a good credit rating, sufficient funds to make the initial down payment and pay the closing costs, and a stable employment situation.

People who have just qualified for a mortgage loan are usually in better-than-average financial shape. If you have recently purchased a new house, don't be surprised if you receive numerous offers from retail stores and other credit card companies offering you pre-approved revolving credit.

Be careful about accepting these offers! New home owners often use most of their savings in the process of financing the transaction, and they need everything from linens to furniture to get settled in the home. With all of the immediate credit available, it may be very tempting to just say "charge it." If you're not careful, you could be "up to your ears" in debt very quickly. It takes discipline to reach the goal of home ownership--and it takes that same kind of discipline to maintain financial health after you leave the closing table.

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Q	In which 'Oil Sheikdom' of the Far East do the wealthy still choose to live in primitive houses on stilts?
A	Brunei's oil wealth results in no income tax, free education and health services, and cheap housing loans for its average citizen.
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Joanna's Team, REALTOR®, real estate agents and broker for Lake Havasu City, Bullhead City and Kingman, Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)

Joanna's Team
Keller Williams
1990 N. McCulloch BLVD Suite 109
Lake Havasu City, AZ 86403
928-505-2777
Fax: 928-505-2442
Joanna@JoannaDidItAgain.com
Call the #1 Real Estate team, Joanna & Associates Realty. A boutique real estate firm, family owned and operated, with a large inventory of existing, new, and custom built homes as well as commercial, land and investment properties.

Whether you’re a first time home buyer or seasoned investor you’ll just love how we treat you like family! We make your buyer experience hassle-free and fun.

Joanna is ranked in the top 5% of all Realtors nationwide in number of sales. Joanna has been Havasu’s leader in listings and sales for more than a decade. Call the team today to experience real estate with Lake Havasu City's #1 team and only boutique real estate firm.

www.JoannaDidItAgain.com is brought to you by Joanna's Team
NUMBER1EXPERT™ in real estate for Lake Havasu City, Bullhead City and Kingman, Arizona

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