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FAMP Annual Convention & Tradeshow 2025 Key Themes

George Nevada and Lorena Diaz of Lima One Capital standing in front of signage for the Florida Association of Mortgage Professionals (FAMP) Convention.

The FAMP Annual Convention & Tradeshow is always a bellwether for the mortgage industry, bringing together brokers, lenders, and investors from across the country. This year’s FAMP Convention 2025 reinforced several consistent themes that are prevalent in the industry: the market looks very different than it did two years ago, with consistent execution, adaptability, and technology adoption being the key differentiators.

While deal volume remains strong, the environment is defined by tighter conditions, higher costs, and an ever-present need for efficiency. The common thread across all sessions and conversations was clear—execution, adaptability, and technology adoption are the new differentiators. For mortgage brokers, lenders, and real estate investors alike, these themes are shaping how deals get done and who they’ll trust as a partner in the months ahead.

Below is a closer look at the top takeaways from the FAMP Mortgage Convention this year and what they mean for market participants navigating a challenging but opportunity-rich landscape.

Execution and adaptability define success

Investors remain active and interested in opportunities, but they are also much more selective. With margin pressures intensifying in 2025, the bar for winning business has risen. Lenders must demonstrate sharper structures, clearer communication, and flawless execution to earn investor trust.

What this means is simple: Relationship equity matters more than rate shopping. Brokers who can prove they have lending partners that execute consistently, communicate proactively, and close on time are winning the trust of investors. In a market with higher costs and tighter liquidity, adaptability is equally important. From navigating market shifts to creatively structuring deals, those who can pivot quickly are the ones who are still closing transactions at volume.

At Lima One Capital, our emphasis has always been on combining speed, execution, and reliability to ensure brokers and investors get competitive rates and fast closings.

AI in mortgage moves beyond the buzzword

Not more than a year ago, artificial intelligence (AI) was still largely a buzzword at conferences. But at the FAMP Convention 2025, the conversation shifted from speculation to practical implementation. Top brokers are now using AI to:

Streamline intake documentation and reduce manual review time

Enhance CRM follow-ups to keep borrowers engaged

Automate borrower communication for faster response times

This shift shows that AI literacy is no longer optional. Brokers who understand how to use AI tools to their advantage are gaining an efficiency edge—screening deals faster, reducing friction in communication, and freeing up more time for the strategic, relationship-driven parts of the business.

Lima One Capital at the FAMP Convention with Devin Stewart, Lorena Diaz, and Desmond Washington shown conversing.

Construction lending hinges on transparency

Another consistent theme from the FAMP Annual Convention was the need for more clarity and transparency in construction lending. Brokers and borrowers alike are asking for clear playbooks that outline:

How budgets are structured and approved

The timing and communication around draws

Expectations for builder and lender coordination

In an environment where costs are elevated and timelines are under pressure, process transparency is becoming the key differentiator. Brokers are demanding that lenders go beyond simply providing capital; they want a partner that communicates openly, manages risk clearly, and helps ensure that projects stay on track.

This is an area where Lima One continues to innovate with new construction loans that offer streamlined draw processes, proactive builder communication, and flexible structures to keep projects moving from foundation to completion.

Portfolio and rental financing remain strong

Despite market headwinds, demand for rental property financing and portfolio loans remains resilient. Investors are focused on strategies that prioritize stability and cash flow, and as a result, there is continued demand for both stabilization loans and cash-out refinancing options.

The feedback from brokers at the FAMP Mortgage Convention was clear: Investors are highly sensitive to prepayment penalty (PPP) terms, and flexibility in loan structures is often the deciding factor in whether a deal moves forward. Brokers are looking for financing partners that can offer terms that adapt to investors’ strategies, whether that’s holding long-term rental properties or building scalable rental portfolios.

Lima One’s rental portfolio loan program continues to meet this demand, providing scalable, flexible financing for investors who are building and stabilizing cash-flowing rental assets.

Lima One representatives on golf course as hole sponsors at the FAMP Convention.

Final thoughts: The FAMP Convention as a market pulse check

The FAMP Annual Convention 2025 served as both a reflection of current market realities and a roadmap for where the industry is heading. From execution and adaptability to AI adoption, transparent construction lending, and flexible portfolio financing, the themes discussed in Orlando are already shaping the deals happening today.

For Lima One Capital, the event reaffirmed our focus on providing reliable capital, consistent execution, and innovative investment property loan products that meet the needs of today’s brokers and investors. As the market continues to evolve, we remain committed to being the partner that helps our clients not only navigate challenges but also seize opportunities.

Contact Lima One Capital today to learn more about our private lending solutions and how we can help you grow your portfolio in 2025 and beyond.