Scientific research reveals that approximately 1 out of every 2,000 individuals are born with a rare genetic disorder. This fact highlights the remarkable intricacy and diversity of human biology.
The significance of our loved ones’ support is once again exemplified in this narrative. Courtney and Gavin, parents to a special daughter, share their remarkable journey on social media, offering inspiration and guidance to other families experiencing the challenges of raising a child with a cleft lip.
Courtney and Gavin Gardner joyfully welcome their daughter, Sutton, who enters the world with a cleft lip. Concerned for her second child’s well-being, Courtney spends an entire night after Sutton’s birth filled with worry and prayers, hoping that everything will be alright. During the 20th week of her pregnancy, an ultrasound reveals that the baby has a cleft lip, a revelation that leaves Gardner in a state of utter shock.
“The ultrasound specialist concluded the examination by focusing on her face and stating, ‘Oh, she indeed has a cleft lip.’ It was quite unexpected,” recounts Courtney.
Cleft lip and palate are extremely rare conditions affecting 1 in 1,600 infants, occurring when the lips or mouth fail to develop normally during pregnancy. Several factors can contribute to this, such as the mother’s diet or medication, as well as genetic predisposition.
After the birth of their first son, the Gardners regretted not arranging a special baby photoshoot for him. With Courtney’s subsequent pregnancy, she resolved to capture every moment of her newborn daughter’s life. Photographer Shannon Morton takes the pictures, which the parents subsequently share on their social media platforms. One particular photo rapidly gains popularity, amassing over 10,000 likes within hours. Over the next few days, the number of likes skyrockets to an impressive 750,000.
Courtney expresses gratitude for the kind and encouraging comments they receive about their daughter, with most people remarking on her beauty. The post inspires numerous individuals to share their own stories and photos. Motivated by this response, the Gardners decide to create their own Facebook page, “My Cleft Cutie,” aimed at supporting other parents facing a similar diagnosis with their children. A mother commenting on the Facebook post writes, “My little princess was born with a bilateral cleft. Thankfully, her palate is intact. Every day, Daddy and I assure her that she is the most beautiful girl in the world, and her personality is simply amazing.”
While the parents worry about their daughter’s health, they are immensely grateful for the support they receive from the hospital throughout this incredible journey. Sutton’s cleft palate presents a significant challenge during bottle feeding, and she spends the first 18 days of her life in the neonatal intensive care unit. The young girl is expected to undergo the first of several surgeries in a matter of days, with the subsequent procedures scheduled for her first birthday. Specialists emphasize the importance of intensive work with a speech therapist.
“Although this initial period may be daunting and appear bleak for little Sutton, it’s important to know that her condition is 100% treatable and manageable,” reassures Courtney. The parents describe Sutton as sociable, vibrant, and constantly wearing a bright smile, particularly when her older brother is by her side. They hold hope that one day, this story will serve as a distant memory of the past.
Introduction
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.
Conclusion
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.
FAQs
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.