Hugo L. Calvillo is a licensed Mortgage Loan Originator, NMLS #1808485, operating under Loan Factory, Inc. (NMLS #320841). Licensing information: www.nmlsconsumeraccess.org. Loan products are subject to credit approval, property eligibility, and applicable state and federal regulations. Not all products are available in all states. This is not a commitment to lend.

SB Group USA, its principals, and affiliates do not provide legal, tax, accounting, or financial planning advice. All content, courses, webinars, videos, and written materials are for general educational and informational purposes only. Consult a licensed attorney, CPA, or financial advisor before making any investment decision.

Real estate investing involves risk, including potential loss of capital. Past performance is not indicative of future results. Any investment projections, ROI estimates, or cash flow figures presented are illustrative only and do not constitute a promise or guarantee of returns. Market conditions vary and are subject to change without notice.

The HELP™ program (Hear · Evaluate · Leverage · Protect) is a free strategic diagnostic service for Hispanic/Latino property owners. HELP™ is a common-law trademark of SB Group USA. It is not a legal service, not a loan modification service, and is not affiliated with any government agency or HUD-approved housing counseling program. SB Group USA does not guarantee any specific outcome. Sessions are free and do not create an attorney-client or fiduciary relationship.

SB Group USA and Global School of Real Estate provide real estate education through courses, workshops, and digital content. Educational content does not constitute professional advice. Hugo L. Calvillo holds Florida Real Estate Instructor License #ZH1004431. Course completion does not guarantee exam passage or licensure.

We are pledged to the letter and spirit of U.S. policy for equal housing opportunity. We do not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, or any other protected class under applicable federal, state, or local law.

This website may contain links to third-party sites for convenience only. SB Group USA is not responsible for the content, accuracy, or privacy practices of any linked site.

These terms are governed by the laws of the State of Florida, without regard to conflict of law provisions. Disputes shall be subject to the exclusive jurisdiction of the courts of the State of Florida.