Mom of black and white twins says people don’t believe they are siblings

Once upon a time in Calgary, Canada, there was a mother who experienced an extraordinary event. Judith Nwokocha, a 38-year-old photographer, had been trying to conceive for eight long years. After undergoing in vitro fertilization, she was overjoyed to discover that she was finally pregnant. However, little did she know that this pregnancy would bring about an unexpected twist.

During a routine scan, the doctors revealed that Judith was carrying not just one, but two precious lives. However, there was an additional surprise in store. They informed Judith that there was a possibility her twins might have Down syndrome. This news startled her, but she remained hopeful for the health and well-being of her babies.


When the time came for Judith to give birth, she was overwhelmed with emotions. As her little ones were placed in her arms, she couldn’t help but feel a wave of confusion and disbelief. Looking at her newborns, she couldn’t shake off the feeling that a mix-up had occurred. “Why are they giving me someone else’s baby?” she wondered. The reason for her doubt stemmed from the fact that her daughter, Kachi, had albinism, a condition in which the skin lacks pigmentation. This unexpected difference in appearance led Judith to question the authenticity of her daughter’s biological connection.

Kamsi and Kachi

Despite her initial disbelief, Judith was immensely grateful for the arrival of her two healthy babies. She realized that, apart from her daughter’s unique skin color, Kachi resembled her in every other way. Unfortunately, Kachi had been diagnosed with Oculocutaneous Albinism (OCA) type 2, a genetic condition that affects the production of melanin, leading to specific characteristics related to the eyes, skin, and hair. Although concerned about potential challenges her daughter might face due to societal perceptions, Judith was relieved to learn that, apart from sensitive skin and eyesight, Kachi was perfectly healthy.

Being originally from Nigeria, Judith was aware of the superstitions and mistreatment faced by albinos in her home country. Thus, living in a Western country like Canada provided her with a sense of relief. Nevertheless, she still worried about the reactions and judgments of others towards Kachi. Sadly, many people refused to believe that Kachi was her daughter and even questioned her parentage. The confusion was not only due to Kachi’s skin color but also because of the unique texture of her hair.

Despite these challenges, Judith had never encountered any negative reactions or remarks from others. In fact, people often expressed their admiration for Kachi’s beauty. The love and affection Judith had for her daughter remained unwavering, prompting her to seek counseling to ensure she could provide the best care for Kachi. Regular visits to a specialist were necessary to address her daughter’s sensitive eyesight, and precautions had to be taken to protect her delicate skin from the sun.

Kamsi and Kach

Now, at three years old, the twins have formed a loving bond as brother and sister. Interestingly, they remain unaware of any differences between them. Judith couldn’t be prouder of her unique and remarkable children, cherishing the love they share as a family.

Kamsi and Kachi

The twins, who are now three years old, have a great brother-sister relationship and their mom says they haven’t noticed anything different about each other.


Are you in need of financial assistance but don't want to sell your property? A loan against property might be the ideal solution for you. This type of loan allows you to leverage the value of your property to secure a loan amount. In this article, we will provide you with a comprehensive guide on obtaining a loan against property. Follow these step-by-step instructions to make the process smooth and hassle-free.

Assessing Property Value

The first step in obtaining a loan against property is to assess the value of your property. You can hire a professional property evaluator or consult a real estate agent to determine its market worth. The lender will consider this valuation to calculate the loan amount they can offer you.

Researching Lenders

Once you have assessed your property's value, it's time to research different lenders who offer loans against property. Compare their interest rates, loan tenure, processing fees, and customer reviews. Choose a reputable lender that aligns with your requirements and offers favorable terms and conditions.

Document Preparation

To apply for a loan against property, you need to gather the necessary documents. The typical documents include:

  • Property ownership documents
  • Identity proof
  • Address proof
  • Income proof
  • Bank statements
  • Tax returns

Ensure that you have all the required documents ready and organize them for easy access during the application process.

Loan Application

Now that you have chosen a lender and prepared the documents, it's time to submit the loan application. Fill out the application form provided by the lender, providing accurate information. Double-check the form to avoid any errors or discrepancies.

Property Valuation

After submitting the application, the lender will initiate the property valuation process. They will send a representative to assess the property's condition, location, and market value. This valuation helps the lender determine the maximum loan amount they can offer you.

Loan Approval and Disbursement

Once the property valuation is complete and meets the lender's criteria, they will approve your loan application. The lender will communicate the approved loan amount, interest rate, and repayment terms. Upon agreement, the loan amount will be disbursed to your bank account.

Repayment Terms

Understanding the repayment terms is crucial before finalizing the loan agreement. The terms include the loan tenure, interest rate, and EMI (Equated Monthly Installment) amount. Ensure that you carefully review the repayment schedule and have a repayment plan in place.


Obtaining a loan against property can provide you with the financial flexibility you need without giving up ownership of your property. By following the step-by-step instructions outlined in this article, you can navigate through the process effectively. Remember to conduct thorough research, gather the necessary documents, choose a reliable lender, and understand the repayment terms.


1. Can I obtain a loan against any type of property?

Yes, you can obtain a loan against residential, commercial, or industrial properties.

2. What happens if I default on the loan repayment?

Defaulting on loan repayment can lead to penalties, legal action, and the possibility of losing your property.

3. Is the interest rate fixed or variable for a loan against property?

The interest rate can be either fixed or variable, depending on the terms agreed upon with the lender.

4. Can I prepay the loan before the tenure ends?

Most lenders allow prepayment of the loan, but it may be subject to prepayment charges.

5. How long does the loan approval process take?

The loan approval process can vary among lenders, but it typically takes a few days to a few weeks, depending on the documentation and property valuation process.

In conclusion, a loan against property is an excellent option for individuals in need of financial assistance. By following the step-by-step instructions provided in this article, you can secure a loan against your property efficiently. Remember to thoroughly assess your property value, research lenders, prepare the required documents, and understand the repayment terms. With careful planning and execution, you can leverage your property to fulfill your financial needs.

Leave a Reply

Your email address will not be published. Required fields are marked *