Stretch Like Gumby

Althea Ramsay Carrigan, High Associates • June 6, 2024

Our industry allows for a lot of flexibility in terms of focus, growth and personal development. Naturally we gravitate toward the elements in which we have the most interest. Over time, in a career which can span many decades, the place in which we find ourselves can often look much different at the end when compared with the beginning. Unlike some careers where change requires years of additional education and certification, the Realtor®  is able to practice amazingly different pursuits within the same industry at will. Let’s say a young man starts out at a good residential real estate firm just after college in a support role and is sent to get his real estate license by his boss. He takes his classes, gets licensed and begins supporting and eventually selling residential real estate. But he just doesn’t love it. One day someone at an industry networking event offers him a job supporting a commercial agent and the offer also holds the appeal of apprenticing into the commercial practice. After a few years of commercial work there comes an offer to work for a development company working on in-fill city projects. Later he joins management at a Real Estate Investment Trust and stays for many years adaptively repurposing obsolete facilities during which he does years of leasing, restructuring, property management and adaptive re-use construction. Toward the end of his career, he goes back to commercial brokerage for the enjoyment of industrial, land sales, office and maybe to pick up a new skill set like retail. All of those very different and multifaceted parts of a diverse career are possible while still falling under the basic category of a Realtor®.  


In these times of uncertainly and change, adaptation and recovery, and as we wait to see what the interest rates are going to do…if more people will decide to sell their homes… if employers are going to mandate a return to the office… if people will ever again flock to the mall… if drones will just begin dropping our internet purchases down some new-fangled reverse chimney situation to defeat the porch pirates… we may as well stretch ourselves like Gumby and learn some new skills.  You cannot make the required changes and improvements to yourself and your situation without learning.


I am the first to admit that when I don’t know how to do something. A lot of people don’t like to do that, but I find it is much better to do it right up front. I have no huge phobia about seeming dumb or being judged as I am old and wise enough to know that I just need the info/skills and I will practice and study and eventually add them to the arsenal. Does that mean I don’t ever worry that I can’t do new things or that I won’t be good at them? Absolutely not! It means that I have an active conversation with myself (mostly silent) wherein we discuss and review that I can do anything I set my mind to. I envision stretching myself further and being willing to grow and then I begin to seek out the ways to let the learning commence from the various and assorted means possible. It became obvious to me a time long ago that there is so much to learn, and the only way to fail is to quit being willing to learn.



Sometimes during the course of a career, we are asked to do things that we don’t readily have interest in or even know anything about. Sometimes those things are disguised as skills. At the very least they are experience. Aside from books, courses, seminars and trainings people will help you. All you have to do is show genuine and sincere interest and a willingness to learn. Being a new anything at any age is scary and challenging but where you find yourself is where you need to apply yourself, no matter the economy or the climate or the industry. If you find yourself professionally related to real estate, you have found a home that can grow and adapt with you for the rest of your working life.


-Copyright © 20 Years Without A Window, Althea Ramsay Carrigan, High Associates. 2024. All Rights Reserved.


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.