2012 AREAA National Convention

Director of Financing & Loan Placement

José Javier Hidalgo Prior to joining Point Capital, Mr. Hidalgo worked for Prospect Mortgage as the Executive Vice President/Managing Director for Prospect’s national homebuyer program. Prospect Mortgage is one of the nation’s largest independent residential retail lenders, producing approximately $9.0 billion per year in loan production. Mr. Hidalgo was responsible for all areas of loan production as well as production support areas such as operations, R.E.O., sales support, and marketing and sales growth in the South Atlantic Division. In addition to his role as EVP at Prospect, Mr. Hidalgo also served on the Prospect Executive Committee which manages the company’s national sales force of over 1,000 loan officers. Prior to working for Prospect Mortgage, Mr. Hidalgo was a divisional president at Indymac Bank and also served as Senior Vice President at Countrywide Financial. Mr. Hidalgo brings 16+ years of invaluable mortgage lending experience by working in all aspects of the mortgage business, from loan origination to managing entire divisions. His expertise lies in his hands-on knowledge of loan level detail as well as in growing business opportunities and making them profitable while simultaneously minimizing risk. Mr. Hidalgo graduated from MBA’s School of Mortgage Banking earning the Accredited Mortgage Professional (AMP). This Specialist Designation recognizes the achievements of individuals in the real estate finance industry for their pursuit of educational excellence, high ethical standards, and commitment to professionalism.