For Parents: 6 Financing Options for your Surrogacy Journey

Hello to the parents hoping to start a family by way of surrogacy! We are so excited you found our blog!

Here we discuss topics related to the surrogacy process for parents, surrogacy process for surrogates, and many other topics. If you have any questions regarding getting started looking for a surrogate, we encourage you to fill in this form and we will get a hold of you to start your process of surrogacy!

Today we will discuss 5 ways to fund your surrogacy journey so that you are prepared to make it through the many milestones of the surrogacy process. As a couple looking for a surrogate, perhaps you have already started, or you are in the process of finding the right surrogate agency for you.

We want you to know that we will walk you through the process line by line and answer any questions you may have.

Through our experience, we have learned that many parents may not be prepared for the financial stress of a surrogacy journey. For this, we have prepared a few ways we have found our most successful parents have used to fund their journey.

The first thing many intended parents (parents looking for a surrogate) should know, is that your surrogacy journey will most likely exceed $100,000. You need to be prepared to spend over this figure, even though we have been known to match couples with surrogates that may come close or below that figure. Any number of factors can influence the cost of surrogacy, for this, we ask that you read this blog.

Your surrogacy journey will most likely exceed $100,000.

Here are 6 financing options for your surrogacy journey:

#1 –  Home Equity Loan

Most people looking to become parents may not have the money in the bank to fund their surrogacy journey. But with the rise in real estate costs and single family homes on the rise, especially in California, you may have equity in your home that you didn’t realize was there.

When you take out a HELOC, your rate will be fixed and the payment will most likely be manageable. If you don’t have the money in cash- don’t worry, just call your local home lender and see if your home may have enough equity to fund the journey of starting your family through surrogacy.

#2 –  Other Loan Programs

There are specific loan providers such as Prosper Lending, New Life Fertility, and Capex MD that may be able to help you on your surrogacy journey. These loan providers understand the journey of surrogacy and the many intricacies associated with finding a surrogate and funding the process of surrogacy.

#3 –  Fertility Grants

You may not know, but there are many people in the world that know of the struggle to become a parent and are giving to the causes of helping couples in need of the fertility journey or the journey of surrogacy. Here are a few grants online that you may be eligible for if you apply and fit the guidelines:

We encourage all parents looking into this form of funding to look online for more companies or ask around at your local chamber of commerce. You never know what resources are out there to help you with the process!

#4 –  Credit Cards or Combination

Some couples we have come across have accumulated some cash (i.e., $50,000) and are discouraged to find out that they don’t have enough to continue the process of finding a surrogate mother – even though they may have already completed the process of IVF and have embryos waiting.

Don’t let this discourage you! Made in the USA Surrogacy can take credit cards as payment for our agency fee (which can help the burden of cash substantially), and you can always start looking for a surrogate with us through this means as you find the rest of the funding through loans or funding of other sorts as we are discussing in this blog.

Don’t be afraid to fund your surrogacy through a combination of sources. Also, don’t be afraid to start the process of looking for a surrogate now, while you wait also to find the money you need to complete the process. It’s always better to start looking for your surrogate now, even if you are a few months or even 6 months away from being able to fully fund your surrogacy journey.

#5 – Family and Friends/Crowdfunding

You would be amazed at the compassion in people’s hearts for helping families in need. If you are struggling to start your family, and you’ve been longing to fulfill the void in your heart with another child or with your first child – don’t let finances be the problem! The child is worth much more than any amount you would or could spend on completing the process of IVF or the process of surrogacy.

If you have a medical condition of any kind that prevents you from having a child, you know you need a surrogate! Tell your family and your friends. You may be surprised at how many of them may have the money to help you realize your lifelong dream of a family!

We have had many surrogacies funded through the generosity of family – it’s never too late to ask and see who may be willing to help.

If you live in the 21st century, you no doubt have heard of the benefits of crowdfunding for others- don’t hesitate, create a crowdfunding campaign of your own today! Make sure to tell your story and share it across all social media platforms so everyone knows what you are going through. It’s only a matter of time until you are prepared to start the process of looking for a surrogate with our agency.

#6 – Job and Savings or 401K

It may sound cliché, but the truth is that hard-working couples working together can reach the amount they need to fund a surrogacy journey very fast with diligence. We have had couples put together the funds necessary in as much as a few years, or up to 4 years.

It’s not advisable for any couple to take from their 401K retirement unless they know the specifics of how much it costs to take it out (penalties regarding age)- however, this may be a great option for some people who have money lying around.

In our past line of work, we had a lot of people who had 401K savings in other jobs that were left there from when they left the job.

Search out your past jobs. If you haven’t moved your 401K through a way of a “401K rollover”, you may have money in those accounts still with old employers even though you do not work there. Also, knowing the specifics about how much money it costs to fund a surrogacy journey and the costs associated with the journey can help you tremendously as you start looking for a surrogate.

If you’re a person who has struggled with infertility and you want a family – we can help.

Please call us at 916-226-4342 and we will walk you through the process of finding a surrogate and help you find funding that will help you. Whether you do it through a combination or whether you may have equity in your home- nothing should stop you financially from realizing the dream of a family in your heart!