Adoption/Fertility Loan

Rules & Guidelines:

  1. The maximum loan amount is $20,000.
  2. Loan specific borrower and guarantor qualifications:
    1. Borrower may be a single person or a couple. If a couple, the borrower must be the Jewish spouse. If married, the non-borrower spouse is considered an additional guarantor.
    2. A minimum of two (2) qualified guarantors are required for all adoption/infertility loans. Additional guarantors may be required should the DHFLA Loan Committee deem it necessary.
    3. Guarantors cannot reside at the same address as the borrower or any other guarantor (spouses are exempt from this clause).
    4. Must have appropriate documentation that is acceptable to the DHFLA verifying participation in an adoption, invitro, or other infertility treatment program.


The borrower is expected to pay off the note within six (6) years, in equal monthly installments, commencing approximately one month after receiving the loan. The specific terms will be determined by the DHFLA Loan Committee upon approval of the loan and will be specifically stated in the promissory note.

Processing Steps to Follow:

  1. The borrower must complete a) his or her portion of the DHFLA loan application in detail and b) sign the promissory note (if married the spouse is considered an additional guarantor). The specific terms of the promissory note (commencement date and payment amounts) must be left blank and will be filled in by DHFLA at the time the loan is approved. Complete and sign the ACH authorization letter.
  2. Guarantors must complete their portion and sign the guaranty agreement, and the guarantor’s information release authorization form. Note: original signed documents are required, no faxes or emails are accepted.
  3. Submit completed applications by email to or mail to DHFLA, PO BOX 671235, Dallas, TX 75367-1235. The borrower will be contacted for a personal interview.