Tomorrow Is A Gift
Many are the plans in a man's heart,
but it is the decision of the Lord that endures. ~ Proverbs Ch:20 Vs:21
Tomorrow Is A Gift
Many are the plans in a man's heart,
but it is the decision of the Lord that endures. ~ Proverbs Ch:20 Vs:21
ADOPTION LOANS
A selection of financial services offers highly competitive loan programs designed to provide peace of mind.
A Child Waits
A Child Waits Foundation is a non-profit charitable foundation that provides low interest loans to qualified prospective parents who might otherwise not be able to adopt due to financial constraints.
APFUSA: Adoption Financing.Com
A Loan Processing Company
Adoption Financing.Com
AdoptionFinancing.com is now offering a brand new adoption financing program. International adoption loans from $10,000 to $20,000 are available through the National Bank of Canada. The interest rate is consumer prime plus three-quarters percent. You have 15 years to pay off the loan with no penalty for early payment.Fill out the application at AdoptionFinancing.com and they will work with their network of more than 30 different lenders to find the right financing for your needs.
Adoption Network Law Center
Adoption Network Law Center makes available credit based adoption loans up to $50,000 with repayment terms from 24 to 84 months. Interest rates start at 9.99% and they offer same-day decisions on loan applications.
Building Families Adoption Loan Program through Old National Bank
Our Building Families Adoption Loan Program provides assistance to cover adoption expenses at the best rates and terms available.
Child Adoption Funds
Assists families in establishing an individualized "Family Foundation" that can provide tax deductions to those who contribute.
Credit Based Loans
Adoption Network Law Center offers credit-based loans featuring 24 to 84 month terms, as well as interest-free 90 Days Same as Cash on all loans, and usually get application approved during the same day. There is no cost or obligation to submit a loan application, AND no penalty if you decide to pay off the loan early.
Fifth Third Adoption Financing
Help families through their international adoption. This program applies to families living in Indiana, Michigan, Ohio, Kentucky, Illinois, Florida (Naples), and Tennessee (Franklin).
First Union Bank Adoption Loan Program
The First Union Band offers an adoption-financing loan program that supplements employer provided adoption assistance or helps those who do not have this benefit. Available to prospective adoptive families living in CT, DE, FL, GA, MD, NC, NJ, NY or VA. Recommended by an adoptive family who says, "We found the people at First Union to be prompt, friendly, and helpful, and the loan rate was as it was advertised." Contact: Rick Woo or Debbie Morocco at (301) 657-5863 or 1-888-314-5437
Funds For Families
West Michigan Community Bank and Adoption Associates, Inc. are bringing adoption within your reach by offering a loan that will help you complete your family. The Funds For Families Loan was created to assist families who have the desire to adopt, but may not have the initial funds it takes to pay the fees involved in adoption. The Funds For Families Loan helps clients of Adoption Associates, Inc. bridge the gap between the time funds are needed during the adoption process and the time it takes to receive your federal tax credit/refund for adoption expenses.
Hebrew Free Loan Association
Interest-free loans are available to Jewish adults in San Franciso, the East Bay, South Bay, and Sacramento, CA who wish to adopt children Internationally or Domestically. A single person or couple, after demonstrating additional need, may borrow up to $10,000 toward the expenses incurred for the adoption of a child.
Funds4Families
Through American Home Loans offer a variety of loan programs such as Dept Consolidation, Home Equity Line of Credit, Home Improvement and Refinancing.
Home Equity Loan or Refinancing
Lifesong for Orphans/Interest Free Loans
Lifetime Adoption Financing Loan
One Family Foundation/Gadbois Family Fund
The National Adoption Foundation Loan Program
For Homeowners, there are many options available with some loan programs allowing for borrowing up to 125% of your home loan value. Consult your tax advisor regarding the possible tax benefits of this loan option. You can compare rates available with your local banks and mortgage brokers.
IVF Financing is a loan program offered through Medical Business Solutions. Medical Business Solutions offers unsecured adoption loans, as well as home equity loans. Although the IVF program was originally tailored to finance infertility and other medical treatments, they have expanded to include adoption.
Provides interest-free loans for adoption and in vitro fertilizaton.
The Lifesong Legacy Fund offers interest free loans to help couples overcome the high cost of adoption. For donors, the Legacy Fund is a gift that keeps on giving. As the loans are repaid, new family needs are met...creating a self-perpetuating fund.
Adoption Financing Program to Help Families Move Closer to a Successful Adoption.
MBNA Gold Option is a term line of credit up to $25,000 with repayment terms from 36 to 72 months. The variable interest rate is based upon credit history and will range from a minimum of 9.24% to a high of 25.24%
This organization has in the past offered adoption grants and loans. Their web site says that their grant program is closed for 2004. It is not clear whether they intend to re-open their grant program in 2005 or at any time in the future.
Oxford offers no interest or low interest loans for both domestic and international adoptions, based upon financial need. Oxford will generally lend up to $5,000 per child, up to a maximum of $10,000. The typical loan terms are 0% interest for the first three years, 3% interest for the next three years, and 6% interest for the final three years, for a maximum loan term of nine years.
[Grants for Christian families
The Abba Fund helps unite families through interest-free, covenant loans for adoption.
The National Adoption Foundation through MBNA helps adoptive parents and prospective adoptive families with costs of adopting and raising a child by providing financial support, information and services. This organization has established a $9 million revolving loan bank to provide unsecured loans to adoptive
US Waiting Child Fund
The U S Waiting Child Loan Program’s goal is to make it possible for many children waiting in US foster care to be placed with permanent families. The maximum loan available is $4,000, with a maximum term for re-payment of three years.
Interest-free loans are available to those in need adopting a waiting child through the WACAP Adoption Agency on case by case basis to help defray the costs of an adoption through this agency. (See above under grants for more information)
CHOSEN - Our Story
Our family's journey into
parenthood through birth
and adoption.
Toddler Adoptions
Read about the unique
challenges associated
with adopting a toddler
Older Parenting
A child is a gift and
blessing from God
in all seasons.
The Lie We Love
The Truth about
Foreign Adoption
By E. J. Graff
Nov/Dec 2008
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In Memory
The children we
loved and lost
through adoption
