LCAR Banquet & Volunteer Luncheon

December 21, 2021

The LCAR Banquet & Volunteer Recognition Luncheon was held December 16th at the Wyndham Expo Center. 2021 PAR President Chris Raad installed the 2022 LCAR Officers -- President, Greg Bardell; President-Elect, Joe Younger; Secretary, Jeff Peters; Treasurer, Tom Weik; Immediate Past-President, Tom Blefko -- & Directors Richard Boas III, Brian Davison, Christina Diehl, Logan Hutton, Mandy Jankowski, Mike Julian, Corinn Kirchner, Debby Moore, Lisa Naples & Maria Rojas.


Brenda Crosby of Berkshire Hathaway North Pointe received the Elaine Vehovic Volunteer of the Year Award. Dan Berger, Jr. of U.S. Commercial Realty was named the Commercial & Industrial Council Member of the Year. Doug Foltz of Coldwell Banker Realty was honored as the Distinguished Service Award Recipient, and Tom Blefko of Berkshire Hathaway North Pointe received the Realtor of the Year honors. Click here to view the award presentations.


The following offices received the 2021 LCAR-PAC Awards:  Small Office, Rohrbach Real Estate; Medium Office, Century 21 Home Advisors; and Large Office, Berkshire Hathaway, Centerville.


Donna Giovingo presented Roger Steffy, TLC Director, with a record-breaking check for $35,500 from the proceeds of the September 21st TLC Fundraiser at Clipper Magazine Stadium.


The winners of the five $100 cash door prizes were Jeff Kurtz, Scott Lee, Josh Packer, Ken Pederson & Marlena Stoltzfus.


2019 LCAR President Richard Boas, Jr. served as the Master of Ceremonies, and the following is his formal introduction of 2022 LCAR President Greg Bardell and Greg's acceptance speech.


Richard:  Greg moved to Lancaster County from Thompsontown, PA in 1984 to attend Millersville University and study Clinical Psychology. After getting his degree in 1988, he worked for two years in the mental health field before getting his real estate license in March, 1990. This move was not well received by his mother even though his father was a new home sales manager for a local home builder and real estate WAS the family business!


After selling only one home in his first full year in the business, he went on to create a guaranteed sale program that sold almost 2,000 homes over a 25-year period and operated throughout Pennsylvania, Maryland and Nebraska.


In 2005 he climbed Mount Kilimanjaro in an effort to raise money to build housing for an orphanage in East Africa – something he has referred to as a life-changing experience. After returning from Africa, he was accepted into Lehigh University’s MBA program from which he now holds a master’s degree in Business Administration, as well as two graduate certificates – one in Project Management and a second in Corporate Entrepreneurship.


In 2010 Greg entered the real estate Brokerage business and went on in 2014 to open the first Realty ONE Group real estate office east of the Mississippi River. His daughters, Grace and Emily, joined him in the family businesses after both graduated from the University of Pittsburgh in 2016 and 2018.


In addition to being the Broker/Owner of Realty ONE Group Unlimited, he is also the Regional Executive Director for the Mid-Atlantic region which he and his team have grown to 43 offices, 1,000 agents and over $2 billion in sales since 2016. In 2021 he acquired the Master Franchise development rights for 23 Caribbean nations for Realty ONE Group. He and his team expect to build out that region as well over the next five years.


Greg began serving on the LCAR Board of Directors in 2017, and today we induct him as our 2022 Lancaster County Association of Realtors President. Ladies and gentlemen, please join me in welcoming Greg Bardell.


Greg:  Thank you…good afternoon and welcome! I have been a member of LCAR for almost 32 years, and it is truly an honor to be elected as President of the Association for the year 2022. But we have much to do.


2021 and 2022 are truly years of transition for our Association. We are dealing with issues we haven’t had to deal with in almost 50 years. As appreciative as we are for the work that has been done in the past and the people sitting in this room who did it, we now must recreate ourselves as we look to the future and prepare us for the challenges we face today and in the years to come.


So much has changed in so little time. We were subject to the Governor’s non-essential business shutdown in 2020. In 2021 we have been impacted by some of the decisions stemming from NAR. And finally we are dealing with the departure of our Executive Vice President who served our Association for 47 years. 


Today, our membership is younger than ever, more connected than ever and larger than ever with over 1,600 Realtor members. At the Association level, we are having to find new ways to communicate and new ways to operate our Association to meet all these changes and challenges.


To that end, we have created several new initiatives to improve transparency, improve engagement with our members and our political leaders, improve the interaction between agents in transactions and improve how our Board of Directors functions. The six objectives for 2022 are as follows:


  1. Continue what we started in 2021 with utilization of our social media platforms and our new website to better drive communication and engagement.
  2. Recast the roles and responsibilities of our Board Members by decentralizing decision making and control. Individual Board Members will have greater involvement and oversight of committees that do the work of the Association.
  3. Form an Owner-Manager Council to review and discuss important issues affecting our local market and our daily practice here in Lancaster.
  4. Expand the role of our Governmental Affairs committee to be more active in our engagement with local, state, and federal officials on all matters affecting real estate practitioners and our consumers.
  5. Look to create an Education Committee to oversee the courses and activities of our real estate school by offering more training and promoting further education for our membership.
  6. Last, but certainly not least, hire a new executive vice president to lead our Association into the next decade.


We have a very busy year in front of us, and we need your help. There are many opportunities to get involved. We still need more members on the Communications and Member Engagement Committee, we need help on our Community Outreach programs, we want more input and participation in governmental policy at the local, state, and federal levels, and finally our professional standards – the ethics and standards of practice that we abide by every day.


The next time you ask, “What is LCAR doing for me?” I would ask you, "What have you done for LCAR?" Now is your chance. There are so many ways to be involved, so many ways to make this Association better. But it is up to all of us. To that end, I would like you to do a few things when you leave here today. Go back to your office and share this message that change is in the air. Challenge your office members to join us on social media and follow what is happening. Take an interest in what the Board is doing. Pay greater attention to what the committees are doing. And attend more Association events and activities.


This Association exists to represent YOU, your interest, your careers and the interest of your clients. Now is the time. Please get involved, stay involved and participate in protecting the business we all love.


Before I leave you today, there are some important thank yous that I need to make. 

 

  • All the LCAR volunteers - The work you do is important and appreciated. Thank you for the commitment of your time and all your efforts throughout the year.
  • The LCAR staff – you are some of the best in the business and a large part of who we are and what we are is because of you. Thank you for all your work during this difficult year.
  • Pennsylvania Association of Realtors Officials including President Chris Raad who is here with us today. I am a big fan of PAR. The work you do, the relationships you have with our state legislators and your dedication to our membership is noted and appreciated. Thank you!
  • Local, State & Federal Legislators here today - Thank you for all your work to make our industry an essential business in Pennsylvania. For many of us, our careers span generations such as is the case with my own. We thank you for doing the heavy lifting to get us back to work!
  • Frank Christoffel III - What a special man. After 47 years at the helm of LCAR, your dedication to the real estate agents, brokers, owners and to Lancaster real estate consumers. We are better because of you and cannot thank you enough for your life’s work. Thank you, Frank!
  • Finally, Tom Blefko - And we thought 2020 was a rough year! 2021 proved to be a year of great uncertainty and instability, but you steadied the ship and you led our organization with an amazing amount of skill, dedication and class. I know we are competitors, but we are also friends. You were the right person, at the right time and did exactly the right job. Thank you, Tom, for all that you have done.


I wish you all a happy and peaceful holiday!


Thank you!

 




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.
Hard money loans explained for real estate investors, including short-term financing
By Wayne Angelo, Cross Country Mortgage May 22, 2026
Learn how hard money loans work, including their costs, terms, benefits, risks, and important considerations for real estate transactions in Pennsylvania.
Real estate zoning explained, including residential, commercial, agricultural, and industrial
By Victoria Medvedeva, Keller Williams Elite May 8, 2026
Learn how real estate zoning laws affect property use, development, and buying decisions, including common residential and agricultural zoning regulations.
Qualified Mortgage (QM) rule explained, including ability-to-repay requirements and borrower protect
April 24, 2026
Learn what a Qualified Mortgage (QM) is, how the Ability-to-Repay rule works, and the key protections designed to help mortgage borrowers.
Running Out of Gas: Understanding Real Estate Agent Burnout
By Victoria Medvedeva, Realtor KW ELITE April 17, 2026
Explore the biggest causes of real estate agent burnout, from unpredictable income and demanding clients to high-stakes transactions and constant availability.
By Joseph Gonzalez with ReMax Evolved August 7, 2026
Another real estate agent once asked: What would you prefer discipline or motivation? In any world where you work off commission and not hourly pay, it's very important to understand this: motivation is a great thing to have but what surpasses motivation is discipline. Motivation brings ambition, eagerness and energy. But discipline is what keeps you moving even when you don't feel like it. When you're disciplined, you understand that no matter how you feel, the work still gets done because you know what it takes to grow your business. It's no longer about whether you want to do it it's about knowing that you have to do it. Motivation is a simple spark. It gets you started. But once that spark fades, progress often slows down or comes to a complete stop. Discipline on the other hand carries you forward even when motivation is gone. That being said, when you're disciplined and motivated with discipline leading you should always remember to reward yourself for your accomplishments, even if you didn't fully reach your original goal. Rome wasn't built in a day, and consistent small steps forward will eventually take you exactly where you want to be. Growth doesn't happen overnight. Something I'd love to leave you with is this: Everything around you that you're touching or seeing was once just a thought in someone's mind. The cup in front of you. The shirt on your back. The door, the hinges, the desk. All of it started as an idea until someone took action and made it real. If you ever feel discouraged thinking, "There are already 100 people doing this" take a walk down the bread aisle at the grocery store. Look at how many bread companies exist and yet another one still decided to make bread. Finally, surround yourself with people who encourage you and believe in your goals. You are far more likely to succeed when you're around people who support your vision, rather than those who downplay it and say, "I don't think you can make that happen." Stay positive. Stay strong. Stay disciplined. It will happen. The seeds will come to fruition.
Lancaster Snow Angels community volunteers
March 27, 2026
Learn how Lancaster Snow Angels supports elderly, disabled, and veteran neighbors through volunteer snow removal, lawn care, and donated equipment.