The Great Resignation

Althea Ramsay Carrigan, Burle Corporate Park • August 5, 2022

If COVID had a theme song, it may just sound an awful lot like Michael Jackson's "Man In The Mirror". Husky voiced and angry, a bit despondent and feeling all philosophical, alone with his thoughts in his room and wearing a weird outfit.


"I'm starting with the man in the mirror. I'm asking him to change his ways. No message could have been any clearer. If you want to make the word a better place, take a look at yourself and make that change."


Who among us does not know someone who changed jobs, got divorced, got a dog, got engaged, got married, had a baby, moved or did major renovations during the pandemic? Not many people simply stayed inside in their PJ's and shopped/read/played video games and binge-watched Netflix between Zoom calls and waiting 'til they were told it was safe to emerge. People did some thinking. "What do I want my life to be like when I get out again?" "Where do I really want to go when I get to go somewhere?" "Who do I want to spend my time with?" "How do I get there from here?"


The full social reemergence has not even fully happened yet. There are remnants of the sequestering all around us still. Clerks behind plexiglass and wearing a mask. People still working from home who do expect to one day be fully back in an office. Concern over planning big events because of another variant with a new age name and debate over boosters for our boosters when we are only at 65 percent immunization as a country. COVID rates of transmission, hospitalizations and deaths have become a tertiary, or even lesser, reporting category on the news. It depends on what else happened that day like war, the weather, who shot who and where in the all-inclusive 'Sus-Q-Valley'.


For the most part though, we are let loose again. Like bears in search of a good meal after hibernation, we want to experience things -- go places, enjoy life and be happy. We are free, right? Free to choose where and how we live, reevaluating how we pay for it and who gets to share it with us. The long interruption in our routines, the shutdown of all that was sacred from our favorite coffee shop or watering hole to where and how we celebrate milestone events all allowed us to choose what we may resume doing as if nothing ever happened and what things to start doing again . . . not because we always have, but because we WANT to.


Maybe the weekly meeting that was on your calendar for 15 years is not something you want to put back on your schedule because, as the organizational guru Marie Kondo recommends, "If it doesn't bring you joy, out it goes." Possibly you became interested in new things and want to expand upon the curiosity. Having a jam-packed schedule of commitments and obligatory events to attend keeps you busy and distracted and occupied as life flies by. When normal life stopped, some people found it unbearably awful while other people found it quite cathartic.


During or just after the pandemic started to recede, a number of retirements occurred in my segment of the industry . . . people who I never thought I would see go have in fact gone. Icons. Faces that I had known for so long that stilled seemed (to me) too young to 'retire'. I also never considered the concept of actually not working anymore. Our industry as a whole is a bit different in that regard from others in that there are not a magic number of years of service or an attainment of a certain age that says, 'it's time -- you can stop now'. But evidently there is. It is that time when what you are doing with the bulk of your waking hours is no longer being spent doing what it is that you truly WANT to do. That is the magic time to resign yourself to change and grow into a new version of you . . . at any age.


A large number of people have also felt themselves drawn to real estate. Of course, it is the most hip and coolest thing there ever was to do, but people want to be part of something that celebrates change, involves service, and makes people happy. Being a Realtor checks off so many boxes in a revitalized life that it is no wonder. There are also shifts from affiliated professions and trades to the seemingly endless array of roles that one can enjoy under this big umbrella.


This is not just about getting a different job, a replacement spouse, or a puppy to keep us company. It is more than musical chairs. We have all changed -- even if we still live in the same home with the same people and go to the same place for work that we have always gone. Even if we don't recognize it, we are each different. We are all older, living survivors of the plague.


That tends to change a person . . . hopefully for the better.

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.
Top 10 Things People Don’t Understand About Property Insurance
By Raquelle Riti, Bernieri Associates Allstate Insurance August 3, 2026
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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.