This is an excellent time to take advantage of the tax credit before it is gone. Here's some more info on the tax credit and here . Many employers have reimbursement plans when you adopt. Look into you employers stance on it. Banks Check with your local bank branch to see what they can offer you.
Some agencies have a list of financial lenders who make adoption loans at lower than usual rates.
A Child Waits Foundation A Child Waits Foundation is a non-profit, charitable foundation that makes low cost loans to families adopting internationally. Eligibility to obtain a loan is based on financial need and each case is judged individually. We want to fund families who have exhausted all other resources and who would not be able to continue with an adoption without our help. A family may be approved for a loan after the homestudy is complete but funds are not released until the final 2-3 weeks before travel. The foundation does not make loans to families who could obtain funds from other places but at a higher interest rate, families with questionable credit reports, or to families adopting domestically.