When asked to describe her life with 5-month-old triplet girls and an almost 5-year-old son in one word, Pennsylvania mom Karae Coursey offered two: “organized chaos.” One look at the pics she shares on Instagram of her family, and you might add “adorable,” too.
Coursey, who is a twin herself, had a hunch she was having twins when she felt more ɴᴀᴜsᴇᴀᴛᴇᴅ and tired than she did during her first pregnancy with her son, Kanon. During an appointment, the ᴜʟᴛʀᴀsᴏᴜɴᴅ technician confirmed her suspicion. Then, a doctor came in to review the information and said she was actually pregnant with three.
“My husband [Bryant Coursey] almost fainted and left the room to call his dad,” Coursey said. “I called my sister, mom and dad as soon as I could. Everyone was excited about the news of the twins, but they were sʜᴏᴄᴋᴇᴅ to hear it was actually triplets. Twins run in our family.”
After welcoming her identical triplet girls – Bailey, Beau and Brook – five months ago, Coursey decided to share photos of them, often in coordinated outfits, on Instagram to coincide with the blog she started as a creative outlet called Truly Triplets. The proud mom said connecting with her more than 6,000 followers has been helpful and fun.
“People’s responses to the triplets have been amazing,” she said. “I didn’t personally know of any triplets before having them. Now I look for other triplets and multiples on social media.”
Coursey also posts photos of her almost 5-year-old son, Kanon. She said he “adores” his little sisters.
“He’s very affectionate towards them, takes his big brother role seriously and wants to help,” she said. “He wakes up in the morning wanting to lay down next to them. He thinks he knows what they are saying and already wants to show them off. He knows they’re special.”
Growing up with a twin, Coursey wore coordinated outfits with her sibling for most of her childhood. In many of the photos she posts on Instagram, her girls look more than happy to wear matching onesies.
Coursey also has plenty of advice for other parents of multiples. Coursey encouraged moms and dads to accept help from family during this “overwhelming” time and to make an effort to get out of the house occasionally. She also wants moms struggling to breastfeed to not be so hard on themselves.
“After four weeks, Bailey and Beau came home two days apart from each other, and Brook came home a week later,” she said. “Not only was it hard to visit the hospital during this time, but it was even more difficult to find time to pump. Preemies are not good nursers, and it would tire them out. Once I started them on formula, there was a weight that was lifted, I wasn’t so anxious about feedings.”
For moms constantly walking back and forth from the kitchen to the kids, Coursey suggested a mini fridge and bottle warmer for the nursery.
Her best advice is the most simple of all: “It gets easier,” she said. “Hang in there.”
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.