20 Years Without A Window

Althea Ramsay Carrigan, High Associates • April 19, 2024

Evidently, spending too much time alone, under stimulated and without quality views is detrimental to one’s world-vision. Being myopic was not something I ever thought I would be, but I spent too long without a window. Now that I work beside a wall of glass, with a view of more trees than I can count, I realize the power of the view-both inside and outside.


I find myself willing to let the sun partially blind me and turn my polarized glasses dark as I type away and otherwise occupy myself with meaningful tasks. I don’t want to close the blinds as it is more fun to pretend I am working at the beach. Birds sit on the limbs outside and visit with me as I adjust to a life that I almost missed. I need to make sure that I don’t miss seeing the forest for the trees as it would be easy to take the newly found vista at its surface.


I occupy myself with real estate research, as there is where I find myself gainfully employed. Much of the perspective in research, I have found, is looking backwards. Funny that my calendar today says “Life must be lived forwards but can only be understood looking backwards”. Coincidences like that have been happening more and more. Some schools of thought say that is what happens when you align with your purpose. Maybe I should research that…


It seems lately that we stand at the front door of change on so many fronts. A presidential election is now in the very foreseeable future, and while that may be quite macro it is impactful down to the micro in terms of so much, running the gamut from interest rates to the stock market to the prices in the grocery store. We are experiencing war in the world, and while that is nothing new, we have increasing amounts of turmoil and violence foreign and domestic as a part of every news cycle. Four years out now from the start of a worldwide pandemic, research is showing that we have not become kinder and gentler. Mayhem at home and abroad abounds in terms of literal hunger and failing health. People cannot contain themselves enough to be quiet and obedient for the duration of an airline flight. Our country and her states battle on the approaches toward immigration and family planning where no matter what is decided there will be no winners.


Our local atmosphere, which is so often much quieter in the face of adversity than is found outside the imaginary mountains that create the ‘Susque’ valley, also has its share of discontent and adversity over who can read to kids at the library and what they can wear. Seemingly we too are not immune to the arguments about who is welcome and how to treat them as we cannot get a handle on our own homeless or feed all our own hungry (despite being the “Garden Spot of all the Earth”) or even to sufficiently and humanely imprison our criminals. 


On the evolutionary spectrum, more trips than ever before are planned to the moon and to mars to research life forms and colonization as if even the earth is not quite enough for us anymore. Telescopes send us increasingly vivid pictures of incomprehensible beauty in a far-off galaxy. Meanwhile people are being supplanted by AI and our response largely seems to be curiosity along with using it for entertainment and personal assistance.  Does this concern me? Not really. People like me who like to write know that those who like to read are increasingly rare, and only a very few have even gotten this far in the article. That and I have social security to look forward to sustaining me though my golden years. Insert crying/laughing emoji here.


But getting back to reality: most paramount to Brokers/Realtors is the seemingly seismic shift coming from the NAR settlement which at this writing is still to be determined. I for one remember when Buyer Agency was “invented” not long after I was first licensed and the general and most practiced structure of it made no sense to me then (or now).  For the 20 years without a window where I worked, I gave every single person that I did business with a written explanation telling them in no uncertain terms that I represented the Landlord/Seller and that they should get representation (if they did not already have it) because I was not and would not be practicing Dual Agency. We offered to pay their representative agent and disclosed the offered fees to all and invited any negotiations about those terms to be done ASAP.  By doing this all up-front we only ever had 1 single case in which a tenant rep tried to hold us up for more commission after interest was firmly established, but there is always one rotten apple in an orchard of prime fruit.


Today is a bright sunny day and from my little room with the big, beautiful view the best answers are clear: 1) communication, 2) disclosure 3) sharing. In that order. There really is no news here. Commissions and fees were never pre-set. Everything is and always has been negotiable and if done correctly everyone should have already known how it was set up in each case anyway. By simply and routinely sharing the how much and the mechanism of who pays who and putting it all in writing, we can all get back to making dreams come true. Some of you may be thinking I’ve had too much sun, but I really believe this is this simple.


In case you need a reminder to spend some quality time staring out at the landscape, skyscape or even hardscape, I implore you to do so in this waning winter of discontent. In so much as possible enjoy the amazing people around you, if you are as lucky as I am to have found some. Keep in touch with what it is that excites you. A good window looking out is not half as important as a good view looking in.  


I am going to enjoy watching Spring come out in all her glory with buds, leaves and flowers surrounding the neighboring building with its pristine roof and its perfectly mounted HVAC units and then I’m going to watch it all bake in the summer sun while I sit inside in 100% reliably functioning air conditioning until the leaves turn beautiful colors and eventually obscure the perfectly symmetrical tar seams and eventually I’ll drink provided flavored coffee as I see it all get covered over by a blanket of fine white snow… while I’m in here warm and cozy… and onward like that through a few more seasons… and then the chatbots are welcome to all of it and I’m going to Saturn.   


Facts, opinions and information expressed in the Blog represent the work of the author and are believed to be accurate, but are not guaranteed. The Lancaster County Association of Realtors is not liable for any potential errors, omissions or outdated information. If errors are noted within a post, please notify the Association. Posts represent the author's opinion and are not necessarily the opinion of the Association.

Enhanced Title Insurance: More Protection for Your Home
By Wayne Angelo, Cross Country Mortgage and Bill Stull, Abstract Associates of Lancaster August 17, 2026
When purchasing a home, buyers often have the option of choosing either a standard or enhanced owner’s title insurance policy. Both policies protect the buyer’s ownership interest in the property, but the enhanced policy provides several valuable protections that go beyond the coverage included in a standard policy. The enhanced policy is available for purchases of one-to-four-family residences and condominiums when the property is being purchased in an individual’s name, rather than in the name of an LLC, corporation, partnership, or other entity. A standard owner’s policy protects against common title problems, including defects, liens or claims against the property, an unmarketable title, and a lack of legal access. The enhanced policy includes those protections while adding coverage for issues that are especially relevant to homeowners, including certain building permit and zoning violations, improper subdivisions, vehicular access problems, and structures that encroach onto the property after the buyer takes ownership. One of the most important added benefits is post-policy forgery protection. A standard policy generally protects against title issues that existed before the buyer purchased the property. The enhanced policy also provides protection if someone later forges the homeowner’s signature or creates a fraudulent deed that clouds the homeowner’s title. With real estate and identity fraud becoming an increasing concern, this protection alone can provide homeowners with valuable peace of mind. The enhanced policy also includes an automatic increase in coverage. The policy amount increases by 10% each year during the first five years of ownership, up to 150% of the original policy amount. This helps the coverage keep pace as the value of the property increases. In Pennsylvania, the enhanced policy is available for a one-time premium that is only 10% higher than the standard owner’s policy premium, with no annual renewal cost. At Abstract Associates, we believe buyers should understand the difference between the two policies before making their decision. For a relatively small additional cost at settlement, the enhanced policy provides broader protection that can continue to benefit the homeowner long after closing.
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Reverse Mortgage
By Wayne Angelo & Megan Brogna – CrossCountry Mortgage July 31, 2026
Most people think of a reverse mortgage as a way for homeowners to access the equity they've built in their current home. While that's certainly true, many Realtors are surprised to learn that a reverse mortgage can also be used to purchase a new home. What Is a Reverse Mortgage? A reverse mortgage, also known as a Home Equity Conversion Mortgage (HECM), is an FHA-insured loan available to homeowners age 62 and older. Instead of making monthly mortgage payments, eligible borrowers can use a portion of their home's equity to eliminate an existing mortgage, establish a line of credit, receive monthly payments, or simply improve cash flow. Borrowers remain responsible for paying property taxes, homeowners' insurance, maintaining the home, and continuing to occupy it as their primary residence. What Is a Reverse Mortgage for Purchase? A HECM for Purchase allows qualified buyers age 55 and older to purchase a new primary residence using a substantial down payment and a reverse mortgage—without the obligation of monthly principal and interest payments.* This program can be an excellent solution for: Buyers looking to downsize. Retirees relocating closer to family. Homeowners moving into a 55+ community. Clients seeking a home that better fits their retirement lifestyle. Buyers who want to preserve more of their retirement savings or investment assets. Instead of paying all cash for a home, buyers can finance part of the purchase through a reverse mortgage, allowing them to keep more of their liquid assets available for future needs. Why Realtors Should Know About This Program A Reverse Mortgage for Purchase can help clients: Increase purchasing power. Improve monthly cash flow. Preserve retirement savings. Purchase a home that better meets their long-term needs. Age in place more comfortably. For many older buyers, this financing option can make the difference between settling for a home and purchasing the one that truly fits their retirement goals. If you work with clients who are 55 or older, a Reverse Mortgage for Purchase may be worth exploring before they write an offer. *Borrowers must continue to pay property taxes, homeowners insurance, maintain the property, and occupy the home as their primary residence. The amount available depends on factors including the youngest borrower's age, current interest rates, and the home's value. Facts, opinions and information expressed in the Blog represent the work of the author and are believed to be accurate but are not guaranteed. The Lancaster County Association of Realtors is not liable for any potential errors, omissions or outdated information. If errors are noted within a post, please notify the Association. Posts represent the author's opinion and are not necessarily the opinion of the Association.
Mid Year Check In Realtor Calendar
By Missy Boots – Realty One Group Unlimited July 17, 2026
Whew! If you're anything like me, you blinked and somehow July is already halfway over. That also means we've officially crossed the halfway mark of the year. How’s business treating you? Maybe your year is right on track; if so - congrats! If you're holding your breath waiting for your transaction numbers to suddenly align with the goals you set in January, it's time to stop waiting and start resetting. It’s never too late! The beauty of this business is that January doesn't have a monopoly on fresh starts. In real estate, momentum can change surprisingly quickly. One listing can become three referrals. One conversation can lead to a transaction. The second half of the year has the potential to look completely different from the first. The key isn't wishing for a better year. It's changing what you do next. One of the most important mindset shifts an agent can make is to treat their business like a business. Business owners don't simply hope for better results. They create a plan, track meaningful metrics, review what's working, and adjust when needed. Your real estate business deserves the same level of intention. When you start thinking like the CEO of your business instead of just the salesperson in it, your daily decisions begin to change, and so do your results. So where to start? Ask yourself: How many meaningful conversations am I having each week? How consistently am I following up with past clients and leads? Am I asking for referrals? Am I visible in my community and online? Am I blocking time every day for lead generation? Many of us focus on results we can't control: closings, commission checks, or contracts signed. Instead, focus on the activities that create those results. Results lag behind consistent action. If you improve the actions, the numbers usually follow. Choose one or two meaningful goals for the next 3 months. Then identify the handful of weekly actions that move those goals forward. For example: Reach out to 5 people a day. Schedule three coffee meetings with your sphere. Host one open house every weekend. Post valuable content three times a week. Write five handwritten notes every Friday. Consistency beats intensity every time. Your calendar tells the truth. Look back at the last two weeks. How much time was spent on activities that directly grow your business? Admin work is necessary, but revenue producing activities deserve protected time on your calendar. While time blocking is considered a “bad” word to many, being in control of your time allows you to control your business. Schedule lead generation before you schedule anything else. Pick an accountability partner and share your weekly action plan with each other. Commit to checking in regularly and holding one another accountable for following through. Celebrate the wins along the way. When you accomplish the actions you set out to complete, reward yourself, even if it’s just an iced coffee with your accountability partner. Above all, don’t let a negative mind set deter you from forward momentum. Start small. Do the work. Finish big. Here’s to a successful 2026! "Success looks a lot like failure up until the moment you break through the finish line." – Dan Waldschmid “Today is always the most productive day of your week." – Mark Hunter
Home inspection guidance for REALTORS® helping buyers navigate inspection results, set expectations
By Ernest Homer, Homer Inspection Services June 19, 2026
Learn how REALTORS® can guide buyers through the home inspection process, manage expectations, address concerns, and keep transactions moving toward closing.
VA loan benefits and financing options for veterans, active-duty service members
By Dan Ranck, Mortgage Loan Officer June 5, 2026
Learn how VA loans work, their benefits for eligible homebuyers, and why REALTORS® and sellers shouldn’t fear offers that use VA financing.