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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 904.707.0925 or 1.800.535.9594

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  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Scott Hum, a proven Jacksonville, St. Augustine and Rivertown, Florida NUMBER1EXPERT™ Top Selling real estate agent.

  • Find Jacksonville, St. Augustine and Rivertown Homes - Find Jacksonville, St. Augustine and Rivertown, Florida real estate listings & homes for sale provided by Scott Hum, your local expert real estate agent.

  • For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Scott Hum, a proven Jacksonville, St. Augustine and Rivertown, Florida NUMBER1EXPERT™ Top Selling real estate agent.

  • For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Scott Hum, a proven Jacksonville, St. Augustine and Rivertown, Florida NUMBER1EXPERT™ Top Selling real estate agent.

  • Jacksonville, St. Augustine and Rivertown Information - Find local information on Jacksonville, St. Augustine and Rivertown, Florida including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Scott Hum, a proven NUMBER1EXPERT™ Top Selling real estate agent.

  • Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Scott Hum, a proven Jacksonville, St. Augustine and Rivertown, Florida NUMBER1EXPERT™ Top Selling real estate agent.

  • About Scott Hum - Information about Scott Hum including testimonials, guarantees, credentials, and contact information. Learn why Scott Hum is a proven Jacksonville, St. Augustine and Rivertown, Florida NUMBER1EXPERT™ Top Selling real estate agent.

 

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School Reports in Jacksonville, St. Augustine and Rivertown, Florida
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Real Estate Tips
Financing Your Home >Early Loan Approval

Many lenders help prospective buyers get pre-approved for a mortgage loan before the buyers begin a serious house-hunting effort. If you are in this position, give the loan officer all of the information about your assets, income, and debts so they can tell you how much you will be able to borrow under the available loan options. The loan officer will do a credit check and work with the lender to straighten out any problems with your credit rating.

Pre-approval from a lender can make you more attractive to the seller when you find the home you want. Multiple offers sometimes come in on a house, and you may find yourself competing with other buyers. In that case, it is helpful if you have included a letter from the lender with your offer stating that you have an approved loan and are, indeed, qualified to buy. This will also save you time by eliminating from consideration any homes that you would not be able to afford.

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Real Estate Trivia
Q 
What is the busiest airport in the world?

A 
According to the Airports Council International, the Hartsfield International Airport in Atlanta, Georgia is currently the busiest airport in the world, serving 76.87 million passengers per year.
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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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