After struggling for years to start a family, Carlos Morales and his wife, Erica, were finally going to be parents. On January 16th, Erica delivered four healthy babies. Carlos said it was the best day of his life. But shortly after, ᴛʀᴀɢᴇᴅʏ sᴛʀᴜᴄᴋ, and the dream turned into a nightmare.
Now Carlos is raising all four babies on his own.
It had all started with the excitement of a pregnancy, one that came after many failed attempts. When the couple learned that they were having four babies, Carlos was sʜᴏᴄᴋᴇᴅ but then excited.
“She made my sister-in-law call me, ‘Oh, guess how many babies you guys are going to have’… I said, ‘Okay, go ahead and tell me.’ She said, ‘Four babies.’ And… my first reaction, ‘Oh, no. I can’t afford that. That’s too many babies.’ She started laughing and laughing and she told my wife,” Carlos told People. “From that moment it was a blessing.”
The pregnancy had gone perfectly, with no ᴘᴏᴛᴇɴᴛɪᴀʟ ɪssᴜᴇs, despite the fact that she was carrying four babies.
“She was doing so well, so nice. Like, in 29 weeks, I had to tell her, ‘You are one of the best examples that when people be having quads to be like. All the babies are healthy,’” Carlos said.
And everything went well through the delivery.
“Around five-thirty, we went to a delivery room, and then they started taking the babies out,” he said. “They all came out. They all were good. The doctors said she did fantastic. She’s going to be on the second floor, and if you like, you can go with the babies to the third floor, in the N.I.C.U area.”
So Carlos went back and forth between the ɴᴇᴏɴᴀᴛᴀʟ ɪɴᴛᴇɴsɪᴠᴇ ᴄᴀʀᴇ ᴜɴɪᴛ and the maternity ward most of the night, trying to spend time with both his wife and his four newborns. But about midnight, he’d gotten tired and decided to stay by Erica’s side.
Shortly after that, Carlos ʟᴏsᴛ the love of his life.
Erica went into ʜʏᴘᴏᴠᴏʟᴇᴍɪᴄ sʜᴏᴄᴋ, an ᴇᴍᴇʀɢᴇɴᴄʏ ᴄᴏɴᴅɪᴛɪᴏɴ involving massive ʙʟᴏᴏᴅ ʟᴏss. She ᴘᴀssᴇᴅ ᴀᴡᴀʏ from the ᴄᴏɴᴅɪᴛɪᴏɴ at 1:20 the morning after she delivered.
“Around one o’clock, all those machines… just started going off,” Carlos said. “And then the nurses started coming in. Then probably around ten, fifteen people started coming into the room. That’s when they decide to take me out of the room.”
Doctors asked Carlos to gather family. Little did he know, he was about to receive the most ᴅᴇᴠᴀsᴛᴀᴛɪɴɢ news of his life.
“I was sʜᴏᴄᴋᴇᴅ… I wasn’t able to even talk. I was just ᴅᴇᴠᴀsᴛᴀᴛᴇᴅ,” Carlos said. “They told me, like, her heart stopped. It was like a dream. When I came to the house the next day, it was like, ‘I need to wake up. This is not happening.’”
But it did happen.
And Carlos had, in an instant, become a single father to four newborn babies.
“Sometimes, we want an answer why this happened to me,” he said. “That’s the question that [I’m] asking to this day.”
But those four babies, are reminding Carlos that he still has a reason to move forward, to keep living.
“Carlos, you know everything happens for a reason. You have to stay strong, and be strong for the babies. They going to need you. They’re counting on you to be there for them,” he said. “These babies don’t know yet what blessings they have given me. They have given me four reason to live.”
And he has been there, every step of the way, caring for them, loving them, doing the very best he can for each and every one of them.
First, it was visiting two in the hospital while caring for the other two at home. Now, all four babies are home, with him, and Carlos says he couldn’t be happier to have them all under one roof.
“It feels really good to have all four,” he said.
But at least he isn’t doing it completely alone.
Erica’s mother, Sondra Bridges, has moved in and is helping to take care of Tracy, Paisley, Erica, and Carlos Jr. And the family has received an outpouring of support from the online community in both well wishes and more than $350,000 to help raise the quads.
“Were just doing our best,” Carlos told Today. “I’m feeling really, really grateful for everybody that just came together and helped us.”
“It’s funny how things turn out. Bittersweet, but at the same time, thanks to God, and the outpouring support of the public, it’s been phenomenal,” Sondra told Today. “And I’d like to say thank you to each and every one of you. All the support we’ve gotten from you, we appreciate it.”
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
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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.