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Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Jacksonville, St. Augustine and River Town real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached.

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly...

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Cosmetic Improvements >Lighting Up the Sale

Lighting is an important factor to take into account when you are selling your home. Natural and artificial lighting can create a mood that buyers notice when they walk into your home, so don't overlook this significant factor which can favorably influence a potential buyer.

Before your house is shown, walk through each room with an eye to creating a pleasant ambiance through lighting. Accentuate the natural light by keeping curtains open and windows sparkling clean. Arrange your furniture to take advantage of the best view. You may want to install indirect lighting to highlight a vaulted ceiling or to draw attention to indoor plants. Dimmer switches can create simple and inexpensive lighting appeal. Place a lamp and table arrangement in a dark alcove or corner to brighten up the area.

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Q	What is the most common name for a city in the United States?
A	Fairview is the most common city name, according to the 1996 Top Ten of Everything Book.
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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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