Birthmarks can be quite special. After all, they stay throughout one’s life. And while, at times, they could look odd to others- they are special and unique. This is the story of little Winry, who was born with a birthmark that made her pretty special. Nicole Lucas Hall is a lovely mom of 2, son Asher and daughter Winry. 13-month-old, Winry, was born with a rare birthmark that covers a fourth of her face. When recalling the moment they first saw her daughter, Nicole said their initial thoughts were confusion and concern for her safety, as neither of them had ever seen such a birthmark like that.
She said:” When they first handed her to me, I thought it was a bruise. It was then quickly apparent to my husband and I that it was not a bruise. And like the name, I thought it looked a lot like a mole.” They assumed it was something ᴅᴀɴɢᴇʀᴏᴜs, but the doctors quickly put their fears to rest. Winry was born with rare ᴄᴏɴɢᴇɴɪᴛᴀʟ ᴍᴇʟᴀɴᴏᴄʏᴛɪᴄ ɴᴇᴠɪ, with a prevalence estimated at around 1 in 50,000 births. They were reassured that the birthmark was most likely purely aesthetic and that any health ʀɪsᴋs would be on par with other nevi or moles.
Nicole a vast sigh of relief, they could finally relax and appreciate Winry’s arrival even more. Instead of being sad about her daughter’s circumstances, Nicole said she utilized the power of social media to promote awareness and to encourage others that being “different” is your superpower. She said:” For a lot of people, this is the first time seeing a birthmark like hers and that’s part of why I enjoy sharing. This is a good conversation for parents with their children to see kids have differences, or for those parents who do have a kid that looks like Winry or has any kind of a birthmark to see their child represented. Her health and happiness are our top priority. We have to monitor her with sunscreen. I’m careful with hats and that sort of thing. I know our regular dermatology appointment is probably going to be our best friend growing up.”
Aside from that, they’ve been nearly entirely overwhelmed by the compassion of those who have learned about Winry. Every little sister wants to have an older brother looking after her. And in Winry’s case, Asher is a true, helpful, sweet brother. According to Nicole, he is wonderfully unaware that there is anything ‘different’ about her. He knows she has a birthmark on her face, but that is nothing more different to him than having different eye colors. Every single day, Nicole and her husband do everything they can to protect and raise Winry and her brother to be confident in all of their strengths and features. As important as it is for them to constantly check on Winry’s health, they are also concerned about how others might perceive or judge her.
Winry was the first person in the family to have this birthmark. But, Winry’s is what truly sets her apart. Nicole said:” She just radiates joy. She’s almost always laughing or shrieking. She is just the happiest baby I have ever seen. She’s a big talker already. We haven’t got a whole lot of words out, but she tells you like it is and she’s already getting a little bit of sassiness, so I think we’re gonna have a lot on our hands. We’ve got to talk to several people from Brazil with birthmarks. One of them has one that is almost identical to Winry and it’s been so fun to talk to her because she’s almost exactly my age.”
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.
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.
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.
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.
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.
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.
FAQs1. 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.