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Mortgage Loans and Real Estate Financing in Florida for Homebuyers and Investors
Freedom - Vision - Legacy.
You don’t need another lender
you need someone who understands what you’re trying to accomplish
- Finding a loan is easy
- Finding someone who understands the property, the capital involved, and the decision behind it is a different story.
- A loan is a tool.
- What matters is how you use it.
I see the bigger picture
I don’t look at financing separately from the property. i understand how the loan, the asset, and your overall strategy work together.
I make complex financing easier to understand
I’ve purchased, negotiated, and managed investment properties myself. i know what it means to put your own money into a deal and be accountable for the numbers.
PUEDO TRADUCIR LO COMPLEJO
As an instructor, i break down loan programs, financial figures, and financing structures into clear, practical decisions without making the process more complicated than it needs to be.
I don’t work alone
Mortgage lending, real estate brokerage, investing, education, and a network of professionals who can bring different perspectives to the transaction when needed. a loan is a tool.
More financing options. less uncertainty.
Access to more than 240 wholesale lenders through loan factory
Mortgage options for homebuyers and real estate investors
Conventional and non-qm loan programs
Dgital loan process and application tracking
Service in english and spanish
FINANCING SOLUTIONS
Not everyone needs the same type of mortgage. Start with what you’re trying to accomplish, and we’ll explore financing options that may fit your situation.
Buy a home
Whether you’re buying your first home or your next residence, we’ll review how much you can finance, your down payment, estimated monthly payment, cash needed to close, and the loan programs available for your financial profile.
Buy an investment property
Investment property financing in florida
Whether you’re buying a rental property or expanding your real estate portfolio, financing should make sense within the overall investment numbers.
We’ll review the property, expected rental income, required capital, and available financing options.
Self-employed borrowers & business owners
Mortgage solutions for self-employed borrowers and business owners
Owning your own business doesn’t necessarily mean you have to document your income the same way a traditional w-2 employee does.
Depending on your financial situation, alternative documentation programs may be available.
The goal is to understand your financial profile and identify financing options that may work for you.
Foreign nationals
Mortgage financing for foreign nationals buying property in florida
If you live outside the united states and want to purchase property in florida, financing options may be available through loan programs designed for eligible foreign national borrowers.
Refinance a property
Mortgage refinancing and home equity options
If you already own property, we can review whether refinancing could help you accomplish a specific financial objective.
Every refinance should have a clear reason.
Lowering your monthly payment, changing your loan terms, accessing equity, or restructuring existing financing are different objectives that should be evaluated individually.
MORTGAGE CALCULATOR
Preliminary illustrative calculation. Not a formal commitment for rates or credit approval.
Thinking About Buying, Investing, or Refinancing?
How Do You Get a Mortgage?
We discuss your goals
This helps us focus on the right financing scenario from the beginning.
We review your financial profile
Depending on the loan program, this may include:
Income Assets Credit Existing debt Down payment Cash reserves Property details Rental income Supporting documentation
We compare your options
We look beyond the interest rate and consider closing costs, estimated payments, cash requirements, eligibility criteria, and loan terms.
We start your application
Our digital platform lets you manage several stages of the mortgage process online.
We process your loan
We help you understand what’s needed and keep the process organized as your loan moves forward.
We move toward closing
Meet hugo calvillo
A career built on discipline, real estate, and investing. disciplina, real estate e inversión
Soy I’m Hugo Calvillo. I was born in California and raised by Latino parents., nacido en California e hijo de padres latinos.
Durante I served in the U.S. Border Patrol for 20 yearsa career that shaped the way I lead, assess risk, take responsibility, and make decisions under pressure.
I later brought that same discipline into business and real estate. My journey as an investor began with hands-on experience: buying, renovating, negotiating, and selling properties, including my time as a HomeVestors franchisee.
Over time, I expanded my experience into real estate brokerage, mortgage financing, and real estate education. Today, I’m a Mortgage Loan Originator, Real Estate Broker, investor, instructor, and CEO of SB Group USA.
I’ve been involved in more than $15 million in real estate transactions, and I’ve spent over a decade educating and mentoring real estate agents and investors.
Two worlds have shaped my story: the American system I’ve experienced firsthand and the Latino community with whom I share a language, culture, and vision for growth.
Today, those experiences come together around one mission:
Today, those experiences come together around one mission:
Freedom. Vision. Legacy.
Federal Leadership Experience
Built on discipline, sound judgment, and accountability.
Real Estate Transactions
Hands-on experience in real estate investing and transactions.
Educating Agents & Investors
Turning industry knowledge into education and professional development.
PROFESSIONAL LICENSES
NMLS #1808485
Broker FL #BK3339757
Mortgage lending and real estate experience in one professional.
Strategic Network
Frequently asked questions about mortgages in florida
What do I need to apply for a mortgage in Florida?
For a traditional mortgage, lenders may review income, employment, credit, assets, debt, down payment, and property details.
Other programs, including certain DSCR, Bank Statement, Asset Qualifier, and Foreign National loans, use different qualification criteria.
The first step is identifying which programs may fit your situation.
How much down payment do I need to buy a home?
Different mortgage programs have different down payment requirements, including certain Conventional, FHA, VA, and USDA loans.
The lowest available down payment isn’t necessarily the best financing structure for every buyer.
Do I need a 20% down payment?
While a 20% down payment is common in some financing scenarios, certain mortgage programs allow lower or different down payment amounts depending on the property type, occupancy, borrower qualifications, and loan program.
What credit score do I need to buy a home?
Los requisitos de crédito dependen del tipo de préstamo, lender y otros elementos del perfil financiero.
Lenders may also consider payment history, existing debts, and other financial information.
What is a mortgage pre-approval?
It can help you understand your potential purchasing power before making an offer on a property.
A pre-approval does not guarantee final loan approval.
Can I get a mortgage if I’m self-employed?
Depending on your financial profile, you may qualify using traditional income documentation or explore alternative programs such as Bank Statement loans and other Non-QM financing solutions.
What is a Bank Statement Loan?
What is a DSCR Loan?
These programs are designed for certain real estate investors and focus primarily on the relationship between a property’s rental income and its debt obligations.
Eligibility and documentation requirements vary by lender and program.
Can I finance a rental property without using traditional personal income documentation?
Qualification remains subject to the lender’s specific program requirements.
Can I buy property in Florida if I live outside the United States?
Documentation, down payment, reserve, credit, and property requirements may differ from those applicable to buyers residing in the United States.
What is a Cash-Out Refinance?
What is a HELOC?
It is a revolving line of credit secured by the available equity in a property, subject to applicable lender and program requirements.
Is a lower mortgage interest rate always better?
Discount points, lender fees, closing costs, loan terms, cash needed to close, and other financing conditions can affect the true cost of a mortgage.
Can I speak with Hugo before finding a property?
For many buyers, reviewing financing options before starting a property search can clarify their potential purchasing power and available loan programs.
How long does the mortgage process take?
Not every mortgage follows the same timeline.