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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

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Interest Rates >Second Home Financing

You have returned every year to your favorite vacation area, and have finally decided to buy a second home in the special place where you enjoy your holidays. It is an excellent time to apply for a mortgage loan to make your purchase.

The climate for second home mortgages is the most favorable in years. Low interest rates and a recovering economy have attracted more buyers than ever before to purchase a second home for investment and vacation purposes. Many homeowners with a strong credit history have been able to qualify for a home equity loan at excellent rates, and have used their equity cash for down payment and closing costs on a second home.

Lending institutions are offering a wide range of affordable home loans. The rule of thumb is that a buyer can qualify for a loan amount based on 28 percent of their gross income. Often repeat buyers discover that they can borrow more than they assumed possible.

If you wish to take advantage of today's reasonable interest rates to purchase a second home, consult a real estate professional who can help to make your dream a reality.

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Q	What is the fastest-growing state in the U.S.?
A	Nevada, for the 19th consecutive year, according to 2005 Census Bureau statistics.
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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.

GRI ePro REALTOR MLS Equal Housing

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