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


Testimonials
We Have Bought And Sold Two Homes Through Joanna
“As far as we are concerned, Joanna and her staff are the only ones to do business with in Lake Havasu.”
~Kim and Coral French
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TripleCalc
Compare three mortgages at one time. Download TripleCalc now. It's free.

Real Estate - Homes - NUMBER1EXPERTS Sell More!
Joanna's Team is one of The Top Selling Real Estate Experts™
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School Reports
See the nation's top rated reports for Schools in Lake Havasu City, Bullhead City and Kingman >


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Get the Latest Listings Before Anyone Else!
As soon as I list another home for sale, I'll email you. You'll know first.
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Mortgage Lending & Banking
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TripleCalc Software
Welcome > Resources > Free TripleCalc Software ...

Download TripleCalc for FREE. It's Our Gift to You. 

You can compare three loans at one time with TripleCalc software. The software installs easily on your Windows PC. 

You don't have to be online to use TripleCalc, like the other calculators on our site. You can leisurely compare three loans from three different lenders, and try different scenarios to see which loan is best for you. 

TripleCalc would cost you about $30 elsewhere, but you can have it for FREE. It's our gift to you for visiting our Lake Havasu City, Bullhead City and Kingman web site. 

You can send copies of TripleCalc to all your friends and associates. 

Click on the Download link below to get TripleCalc. It's a small file (about 225k) so it will download quickly. Save it on your hard drive, and then double-click on it. You'll see that it installs in a snap... 

 Download TripleCalc Now!

TripleCalc Interface, part 1
TripleCalc Interface, part 2
This is what TripleCalc will look like on your Windows PC. You can compare 3 loans, at one time -- and you don't have to be online. TripleCalc lets you get a leg up on complicated loan comparisons.


Includes 8 other calculations you can't do without:

  • Simple Mortgages with P.I.T.I.
  • Pre-qualifying mortgages
  • Plus lease, investment, balloon payment and other calculators.
  • Every calculator uses the super-convenient "compare three at once" format.
  • It's FREE.

 Download TripleCalc Now!


TripleCalc Interface, part 1
TripleCalc Interface, part 2
TripleCalc Interface, part 3
Includes 9 sophisticated calculators. You'll use it again and again, on everthing from house payments to car loans and more.

 Download TripleCalc Now!



School Reports in Lake Havasu City, Bullhead City and Kingman, Arizona
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
- America's Best School Profiles by
The Heritage Foundation

Arizona Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Lake Havasu City, Bullhead City and Kingman 



Real Estate Tips
Financing Your Home >More On ARMs

Lenders are always looking for new ways to help buyers get into the home of their dreams. Today they frequently use adjustable rate mortgages (ARMs) to increase the buyer's options. The interest rate on an ARM changes periodically to reflect changes in the national market. Since the loan starts at a rate that is lower than the national average, lenders can reduce the borrower's qualifying criteria.

One way to distinguish between different ARMs is by the national index to which they are tied. Some ARMs are tied to a slow-moving index called the cost-of-funds index; these are usually the most desirable. ARMs that are tied to a more volatile index, such as Treasury Notes, can be adjusted upward at a quicker rate. Look at all the factors before choosing a loan. The faster index loan may start out with lower rates and lower monthly payments, but the slower index ARM may eliminate your concern about having to re-finance down the road.

See All Tips In The "Financing Your Home" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
Which city in the U.S. has the longest formal name, but the shortest abbreviated name?

A 
El Pueblo de Nuestra Senora la Reina de los Angeles de la Porciuncula is the full name for Los Angeles, known as "LA".
See More Real Estate Trivia >


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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.

GRI ABR MLS Equal Housing REALTOR


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