Talk with our legal professionals today to help you with your legal needs. We want to make sure that you're ready for court or can settle outside, whatever is going to be best for you. Find out more about our services and how we can help you with all your legal needs. We can help with paperwork and much more. We want you to know that you have professionals on your side.Give us a call today, even if you're not sure if you need legal help. We can talk with you and determine the best course of action for you. When you need legal help, you need the best. We can work with you to make sure that your needs are met. See why our clients keep coming back when they need the best legal solutions. Trust our professionals with your case and we will make sure that you are taken care of every step of the way. We will work with you to ensure you get the best legal counsel. Dallas is a graduate of Drake University 1976 and then went on to Drake Law School class of 1979. He has over 35 years in practice and is a member of the Iowa Bar Association and the Federal Bar Association.Talk with our staff today about your legal needs and we will make sure that you're represented when you need it most. Don't wait, get legal counsel today. We can help if you can't pay your bills. We will work with you to make sure that you should file and what kind of bankruptcy you should file for.Don't lose hope. We have professionals that can guide you through the bankruptcy process and make sure that you're prepared for everything that will come your way.Find out how we can make your life easier with our services. Let us know how we can help you with your debts and make sure that you can get back on your feet.Any person, partnership, corporation, or business trust may file for protection under the bankruptcy code. No. The law provides that you must list all known creditors.I need help and I need to know why youre the people I should trust. Make me feel confident in asking you, safe in the knowledge. ...read more

Okay, I apologize for getting this up late, but this week's schedule is a little chaotic. So what happened in the Iowa mortgage market lately?   Well, if you were paying attention you could have been the one saying "I told you so" all the way to thebank. The bond market and the mortgage market got hammered last week.   Not just beat up a little, but seriously hammered.    And the beating that it took was frankly more than the economics of the situation justified. Mortgage rates go "up on an elevator and down on the stairs."    That means that they go up a lot more quickly than they go down. So we saw a bit of a reversal in the markets eventually.   The stock market has been doing better, so rates are now going up as a result. How long will this continue? Hard to say! My recommendation remains to lock all loans.   I believe that the risks remain significantly to the upside on rates and while there is downside potential, it's not nearly as prevalent as the upside risk. Keep coming back forDes Moines, IA mortgagenews and updates! ...read more

With all the excitement of the first time home buyer tax credit, mortgage homebuyers often get confused and miss out on other important options. As a first time buyer, don't let the excitement of the $8,000 tax creditcause you to overlook the many other home buying options. It isn't uncommon for a buyer to confuse the federal tax credit with seller credits, down payment assistance, or first time home buyer grants. In themortgagemarket,first time home buyers have many options.  Utilizing one option does not hold a buyer back from utilizing one or more other options allowed to them as a first time home buyer. This article is written not to go into great depth on each option, but to help you realize the different options available as a first time home buyer and how to utilize each/all of these options: ·     Tax Credit The federal tax credit is the (up to) $8,000 incentivethat everyone is talking about. Most home buyers that haven't owned a home in the last 3 years will qualify for this. In general, this credit is realized as a credit for you when you complete your taxes in the spring of 2009 (for 2008's income). For example,if you would have normally received $2,000 back after completing your 2009 tax returns, the tax credit would add an additional $8,000, to make your total amount received $10,000. For additional information and guidelines, go directly toFirst-Time Home Buyer Credit: Answers. ·     Seller Credit (Seller Concessions) A seller credit, better known as seller concessions,is a scenario when the seller agrees to pay a certain amount of your settlement costs. The seller may pay a percentage, such as 2, 3, or 6% of the purchase price, or they may pay a dollar amount, such as $2,500 or $5,000. This credit is often used in the ...read more

Buy, Sell, Invest, Refinance...What do I do? Phenomenal question. Needless to say that the answer is always different from one person to the other. Selling a home is challenging right now - there is lots of competition in the marketplace throughout the State of Iowa, and even the country as a whole. If someone else has more equity and is willing to take less on an offer, your home now appears to be worth less in the eyes of an appraiser and other potential buyers. It isn't fair...or is it?Interest rates have seen consistent reductions over the past year. There aren't that many people taking advantage of it for one reason or another. It seems strange that back in the early 2000's everyone was rushing to cash in on the latest craze. Everyone was purchasing a new home or investment property...and especially refinancing. There may be a fear that what happened then is the root cause for why the subprime mortgage bubble failed - well I've got news for you! Yes, some lenders made horrible choices and approved loans for anyone that could count to ten. These lenders are gone for a reason. Secondly, borrowers that could count to ten also made some poor choices - if you have not held a stable job your entire life, it isn't a good idea to buy a $300,000 home, no matter what "deal" your bank can get you! The creative loan programs have vanished...and rates are almost as low as they were when everyone had the refinance rage before. It is safer, smarter in some instances, to check out your options and make a plan that will put you ahead in this game called life. ...read more