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Before we found Scott, we tried 3 different real estate agents with no success.
Steve & Heather
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Scott Hum is one of The Top Selling Real Estate Experts™
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Welcome to Scott Hum'sJacksonville, St. Augustine and Rivertown Real Estate Website

Business is HUMMING! Here You Can Find Great Information on Jacksonville, Saint Augustine, and River Town. Discover North East Florida Real Estate

Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes.

Need local real estate information? I've summarized much of what is important about the Jacksonville, St. Augustine and River Town real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job.

Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate agent. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As a top Jacksonville, St. Augustine and River Town real estate agent, I have the experience and track record you are looking for. Please let me help.

Scott Hum GRI, ABR, e-Pro, REALTOR

School Reports in Jacksonville, St. Augustine and Rivertown, Florida

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Schools in Jacksonville, St. Augustine and Rivertown

Financing Your Home >Hybrids Offer Low Rates

In the field of home financing, "hybrid" mortgages have grown in popularity with homebuyers. With interest rates gradually rising in today's market, the hybrid mortgage product saves money, provides a period of fixed-rate security and helps buyers qualify for financing.

Hybrid mortgage loans offer a very low fixed-rate for a period of time, usually from 5 to 7 years, then revert to an adjustable rate mortgage (ARM) for the remainder of the term of the loan. The interest rate is typically lower than with a 30-year fixed-rate loan, and the borrower has the assurance that the rate will not change for a period of years. Such a loan works well for buyers who plan on reselling the home within a finite period.

Other specialty mortgages now available include an ARM loan with a provision allowing it to be converted to a fixed-rate loan when that is a practical step for the borrower. Still others offer an interest-only loan that requires payments to be made on the interest only for a specified number of years, then reverts to an amortized loan with interest and principal payments each month. Consult with an experienced mortgage professional to determine whether one of these loan products will meet your needs.

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Q	What is the world's tallest monument?
A	The stainless steel Gateway Arch in St. Louis, MO, designed by architect Eero Saarinen and costing $29 million to build, is 630 feet high.
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Scott Hum, REALTOR®, real estate agent and broker for Jacksonville, St. Augustine and Rivertown, Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Scott Hum GRI, ABR, e-Pro, REALTOR
RE/MAX Specialists
12646 San Jose Blvd.
Jacksonville, FL 32223
Direct: 904.707.0925
Toll Free: 1.800.535.9594
Fax: 1.866.492.0722
ScottHum@NUMBER1EXPERT.com

Hello and thank you for visiting! Northeast Florida has been my home since 1994. I have lived in Arlington, Jacksonville Beach and now call St. Augustine home. I moved from small town in Central Illinois to get away from the snow and to further my wife's education. Kim and I live outside St Augustine with our two yellow Labradors. I received my Real Estate license in 2002 my Brokers license in 2004 and my GRI(Graduate of Real Estate Institute) in 2005. I furthered my education by earning my ABR(Accredited Buyers Representative) and E-PRO certifications in 2007. It is my goal as your full service real estate agent covering Duval and St.Johns counties. I will provide you with superior service at all times. My local expertise and extensive real estate experience will benefit you whether you are serious about buying or selling a home at this time, or are a returning client checking out the many homeowner resources I offer. My patience is helpful when you are making a financial decisions of this size.

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