Amber Rojas was excited to welcome a new baby, but she realized almost immediately that her newborn had Dᴏᴡɴ sʏɴᴅʀᴏᴍᴇ and would need special care.
The family, which lives in Cedar Hill, Texas, includes 10-year-old Xavier, 8-year-old twins Kaydence and Zayden, and toddler Evra, who was about to turn 2. Amber Rojas, her husband Fernando, and their four children felt ready – well, as ready as you can ever be – for baby number five.
When Amber Rojas became pregnant for the fourth time, she decided not to find out the sᴇx of the baby and make it a surprise for everyone. With two boys and two girls, it was okay to have a little uncertainty, although everyone seemed sure it would be a boy. But she felt that this baby would be special, even though the pregnancy was normal.
“Since this was my fourth and last pregnancy and my fifth child, I gave birth in literally the most different ways, and I wanted to leave at least some kind of surprise,” said the mother of many children. “We wanted to wait for something special, especially since we did not plan for this child at all.”
But when Amadeus Reign Rojas, nicknamed Ami, was born, the mother’s intuition was confirmed, as she immediately realized that her newborn daughter had Dᴏᴡɴ sʏɴᴅʀᴏᴍᴇ.
Five minutes after giving birth in the water, Amber saw her newborn daughter Amadea and immediately realized that her suspicions were justified. “When I picked her up out of the water, I could literally see it, I could see it in her face,” said Rojas. “I looked down and was like, ‘Oh my gosh, our baby has Dᴏᴡɴ sʏɴᴅʀᴏᴍᴇ.’”
Dᴏᴡɴ sʏɴᴅʀᴏᴍᴇ is caused by ᴛʀɪsᴏᴍʏ 21, or three sets of chromosomes where there are normally two. This can result in certain physical characteristics like a flatter facial profile, an upward slant of the eyes, a deep crease in the palm of the hand, and low muscle tone.
Rojas was “super excited,” because her last baby had been a girl, and she “was so grateful it was another girl so they could grow up together.” Finally, the midwife did let her know that they should take Ami to the hospital for further evaluation.
A photographer was present at the birth who captured all the emotions of the mother. But she was not upset at all because she was happy about the birth of a new member of the family.
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.