Amanda and Chad Doss welcomed home their daughters, Avery, Bentley, and Cassidy, and the couple is following one simple mantra for dealing with three identical babies: “Keep calm, they’re only triplets.” One thing that’s easing life with their rare set of naturally occurring identical triplets is a pink Sharpie marker.
The girls have tiny differences that enable their parents to just barely tell them apart. One of Bentley’s eyelids has a red mark, and Cassidy has a prominent vein on her nose, though it is starting to fade. The infants are changing almost daily, though, so after bath time the Dosses reach for the marker.
“We keep their initials on the bottom of their feet with Sharpie just in case they wake up one morning and those (facial) marks are gone,” Amanda explained.
By all accounts, the Franklin, Ind., couple is adjusting to their new life since the girls joined the family, which also includes Chad’s kids from a previous marriage, Caleb, 12, and Kaitlyn, 9. After he and Amanda married in 2011, he decided to get his vasectomy reversed in order to expand his family “just a little bit.” The naturally occurring triplets were a welcome surprise. The triplets, born about two months early on Dec. 30, thrived in the hospital and went home on Jan. 29, still about a month before Amanda’s due date. “It was a little nerve-wracking but very exciting at the same time,” says Amanda.
The Dosses have become a family of seven in a three-bedroom home, with each baby in her own crib in the master bedroom. The couple has settled into a routine, sharing parenting and household duties with regular help from relatives. The parents say they are tired and that life is busy, but they are overjoyed by their daughters, who are matter-of-fact about the daily grind.
“For the most part, it’s not as difficult as I thought it was going to be,” Amanda says.
“I pictured mass chaos in my head. Now, at this infant stage, they’re pretty easy to take care of. It feels like being a mom. There are three little babies who need me. I wouldn’t have it any other way.”
Friends tell Chad they are surprised at how smoothly their lives seem to be going, expecting a house filled with constant screaming and disorder. People frequently comment on Amanda’s appearance and how relaxed she appears, though she is aware that things may change.
“I know I’ll get more frazzled and tired later on when they’re mobile and wanting to be on the go all the time,” Amanda says.
While having just one baby can try a new parent’s patience, Amanda says she handles her three by trying to stick to a schedule and not letting herself get stressed out. For Chad, it’s the cooperative spirit they share, with one taking over when the other is too pooped to function.
“We’re both so good at helping each other out,” Chad says. “We want each other to be happy. That love between us is the biggest thing that keeps us going.” Caleb and Kaitlyn are also enjoying their baby sisters. “Our two older kids just love them to pieces and offer to help all the time,” Amanda says.
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.