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Real Estate Resources:

• Special Offers - Special offers for Jacksonville, St. Augustine and Rivertown homeowners from Scott Hum.

• Affiliates - Scott Hum's real estate web site affiliates.

• eNewsletter - Scott Hum'sJacksonville, St. Augustine and Rivertown newsletter email will send you the latest real estate information.

• Today's Real Estate News - Daily real estate news for this neighborhood, Florida, and United States.

• Market Conditions Report - Market conditions report for this area, Florida, and United States.

• Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

• How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

• Determine Tax Savings - Calculate how much your monthly Jacksonville, St. Augustine and Rivertown, Florida mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in Florida or buy your own Jacksonville, St. Augustine and Rivertown house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate Jacksonville, St. Augustine and Rivertown mortgages information and interest rate java calculator.

• What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

• Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

• Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

• 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

• How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

• What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

• Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

• TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Florida real estate.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Ask Anything - Ask Scott Hum anything real estate.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - Scott Hum's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - Scott Hum's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Jacksonville, St. Augustine and Rivertown property in Florida, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find Jacksonville, St. Augustine and Rivertown Homes, For Home Buyers, For Home Sellers, Jacksonville, St. Augustine and Rivertown Information, Real Estate Resources, and About Scott Hum.

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"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 Florida Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.   Schools in Jacksonville, St. Augustine and Rivertown

Working With An Agent >An Inspired Real Estate Agent Sometimes a good real estate agent may remind you of a favorite aunt who is always trying to fix up her single nieces or nephews with her friends' sons or daughters. She really gets inspired when her efforts result in a great marriage. Real estate agents match prospective buyers with the perfect home for their family--and when it works, they feel terrific! And more important, their buyers and sellers feel terrific. Sellers often have a strong attachment to a home that holds many memories for them. It is important for them to know that the new buyers will love it, too. While any sale can potentially become complicated and difficult, problems seem to work themselves out more easily if you have started out on a positive note. This is one important reason why agents work hard to maintain a good rapport between the parties involved in every transaction. See All Tips In The "Working With An Agent" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  Where will you find the world's most unusual golf course? A  The only golf course on the island of Tonga has 15 holes, and no penalty against the golfer whose golf ball is stolen by a monkey. See More Real Estate Trivia >

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. www.RealEstateBuyTheYard.com is brought to you by Scott Hum NUMBER1EXPERT™ in real estate for Jacksonville, St. Augustine and Rivertown, Florida Read Scott Hum's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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