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We are just starting the homestudy process for an international adoption and although I can not answer all of your questions, I can try to relate some of what I have found with my situation so far. We will be working with an agency out of our state and so we had to find an agency within our state that was licensed within our state to do adoptions for the country that we picked. Our agency actually gave us a list of partner agencies to consider using. Before you do the homestudy, you should make sure that the agency that the social worker works with meets all qualifications. I have come across many Christian agencies in my searching and although I can't speak for Texas, I am pretty sure you can find one. As for financial stuff, my husband and I have some assets and a decent credit score, but we have a lot of debt as well. He just finished chiro med school last year and so his past 4 tax returns aren't great and loans are astronomical. With every agency I interviewed, I made sure that I told them of our situation up front and asked if they thought it would be a deal breaker for the homestudy. All said they couldn't guarantee anything, but said that what they look for is stability in your current situation. They really want you to prove that in your monthly budget, you have more coming in than going out and that you will have enough flexibility to pay for medical insurance and the medical needs, schooling needs, food etc that an extra body would add to the family. I can't say expressly for your situation and my homestudy is not completed or approved yet so I will be praying that this info is accurate as well. My best advice is to talk to the actual agency that you will be going through or the homestudy agency you will use to see what they can predict.
Sorry so long.
Good luck and God bless,
Cindy
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