Can you get a loan for an adoption or similar? A loan usually requires some sort of collateral. For a home loan, of course, it is the house. Similarly a car loan involves the physical car.
The closest parallel I can think of is a student loan, in which the "collateral" is the expected earnings of someone with a better education. But the stakes are high, and so are the interest rates. The bank can't repossess a diploma.
Or a child.
Nothing in any of the OP's posts would lead me to think this couple necessarily would qualify for any kind of loan. The ONLY possible thing is the second home, but if it is underwater or simply not worth much, that might not mean anything at all.
The "vacation" could be a perk for meeting a quota at work, or a collection on travel "points" from business trips, or who knows what?
They could be in debt up to their eyeballs, as the old commercial said.
I still don't think that makes the GFM site okay--I think that's a separate issue. But I don't think driving a used luxury car or having a nice home is a very good indication of someone's income level.
DS '04 "Boogaboo"
DD '08 "Lilybear"