Home For The New Year

Althea Ramsay Carrigan, Burle Corporate Park • January 21, 2022

Once again we find ourselves in the midst of a brand new year. The holiday season is now behind us, and we are coldly in the middle of another winter. Seemingly this dawn of another year has come upon us in much the style of the last . . . more at home and not as socially out-and-about as we had hoped. Who can't remember where they were when they rang in the new year 2000? 22 years gives us all a finite measurement -- both in our business lives and of course personally. Many things look quite different now, hindsight being 20/20.


22 years ago we went about our lives free from so many of the fears that permeate our daily lives today. We shook hands, hugged and cheek-kissed hello with nearly everyone we ran into. We had meetings in person willy-nilly. The only people who wore masks were working in an operating room. Domestic terrorism was something that happened in countries like Ireland. The second amendment seemed fairly simple to understand. If a parent showed up at a soccer game with a gun in a holster on her hip, it wasn't questioned. Even the winter was just plain cold, and the summer was simply hot. Spring involved flowers blooming and pleasant sunny days, and Fall was crisp and cool. The seasons were orderly and predictable. In many ways, so was life. California's mountains caught fire every year, but the fire stayed where it was supposed to -- up in the hills and didn't bother anybody. I remember watching it burn in San Bernardino as a little girl and was told that it was natural, the rejuvenation of life and that all the woods would simply grow back again. Now the fires blaze and consume everything in their wake, and nothing can stop them.


22 years ago most residential Realtors still put clients in their car and drove them around, sometimes for days on end. The Realtor was the conduit to all of the information, the source, the means and often in-and-of themselves the destination. The Realtor was the key for the largest transition that a family could make.


2022 began just like every new year with a countdown. Familiar music, fireworks and confetti rained down . . . and for a few minutes which most people saw on TV, if they were still awake, things seemed like they might be different. It did not eclipse the cacophony of turmoil that surrounds us. At the millennium New Year, President Bill Clinton was in office. Now of course we had political turmoil and a sense of uncertainty as we looked ahead nationally. In hindsight things seemed easier to debate back then based on sensationalism, titillation, drama and where you found yourself in your own personal mindset. But everyone clearly understood the basic dynamics. They were quite domestic. Today we find ourselves inundated with worldwide and domestic virology reports, hospitalizations and awash debates about vaccinations and mask mandates. Impending foreign war is part of the news cycle, our government cannot agree on literally anything and none of us wants to hear of one more mass shooting. So now, instead of mainstream TV news which was our source of information back then, we check the weather on our phone and binge watch a series of dramas that takes us away from the real world for a little while.


The most obvious change for the Realtor in the 22 years since we celebrated the millennium new year is technology. No longer does a couple who wakes up one morning to find themselves expecting an addition to the family decide over breakfast to move up to the bigger home and say, "I need to call our Realtor Edith on Monday morning and have her start this process!" One or both of them is probably searching on Zillow before they even firmly decide to move. Then they take a few virtual tours, choose a home and then schedule to see it and get pre-approved on their phone. What they don't realize is that it is probably already under agreement, their pre-approval is at best conditional and they really do need Edith (and a good lender they can trust and a home inspector) to get this job done right.


The one timeless thing that has not changed in the last 22 years, or the 20 before that, or the 20 that will follow, is that the most important thing to us all, both professionally and personally, is the sense of home. No matter how much time passes or technology changes or the weather defies logic or what sicknesses befall us, home is the one place we count on the most. We want to, and now more than ever need to, love our homes. The concept of working from home was completely foreign to us 22 years ago when we thought of home as a place to return to at the end of a day. Today home is often where people work and live, and ever more our home is literally the center of our lives.


So as I wish you a happy 2022, remember that what we do -- whether we find homes for people to live in or homes for people's businesses -- our industry is at the heart of what is good and truly important in our world. As we adapt and change with our industry, home will always be a place of security and sanctuary no matter what else goes on in the rest of the world.


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.