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  1. Make a list

Think about what kinds of home maintenance and updates you'd like to take care of. Listing each thing you'd like to work on will serve as a checklist for you to keep track of your projects.

  1. Assess your skills

Consider whether you are able to do the projects yourself. In many cases you may need a professional to help you with the things you'd like to do. If you don't have experience in electrical, plumbing, or construction work you may find yourself out of your element. (For what it's worth, ask us if you need a recommendation)

  1. Establish priorities

What projects are most important to you and why? Would you rather complete all of the small maintenance items that you can first then move on to the larger projects? Are you more concerned with how quickly a job is done or how costly it will be? Before you start any DIY repairs, make sure you identify your goal and give yourself a timeline!

  1. Create a budget

Make sure...


When you start to think about buying a home there are often a lot of things going through your mind. We put together this list to help you organize the confusion as you prepare to buy a home.

1 - Confirm that you are able to access vital financial information. Refresh your memory on how to access pay stubs, W2s, tax returns, bank statements, 401k statements, etc. The easier it is for you to access these things, the faster you will be able to get necessary information to your loan officer.

2 - Decide what time of day you will be available to discuss any mortgage related needs. It will help your loan officer know when to expect communication from you along the way. If you have communication preferences don’t hesitate to let them know! (i.e. work email rather than personal email, text during certain times of day, a text to let you know about an incoming email, certain times you’re unavailable for calls)

3 - Remember that everything the loan officer does is to help you. They don’t want you to feel badgered or bothered but sometimes they can’t move forward on...


There are a plethora of lenders out there that will offer the option to apply and be approved for a mortgage online. In the information age a lot of people are especially interested in this idea. What they may not realize is that a digital platform won’t collect vital information that could qualify them for a better rate, a better term, or even a better payment if that is what they’re looking for. There are a lot of details a loan originator will get from the applicant through what seems to be just a normal every day phone conversation. Sometimes these additional details are just the ones needed to make the financing work when the online mortgage company couldn't get the job done.

If you've been turned down by any lender - let us look over your situation and see how we can help. We are only a phone call or email away at all times. Wouldn't you like to work with a local lender who is there when you need them?


Look here in the next few days to further support you!


If you are looking for a first-time home buyer loan in Des Moines, you are likely trying to weigh the pros and cons of a variety of loan types. It can be difficult to navigate these financial waters alone, which is why our team at Halo Capital is here to help you. We provide the information and resources you need to make the process easier. We understand how exciting it can be to purchase your first home. We also understand the myriad of stressful scenarios you will face during the financing process. As a locally owned and operated business, we are here to assist you along the way. Say goodbye to impersonal banking, and talk to one of our friendly staff members today.

If you are considering an FHA loan, read on to learn more about what this loan type is and who qualifies for these specific loans.


If you are looking into buying your very first home, the options can feel extremely overwhelming. Not only do you need to find the perfect home to purchase, but you have to figure out the best way to finance your home purchase. Navigating the waters of home purchasing can be stressful. At Halo Capital, we are here to help you work through the financing process. As a locally owned and operated company, we are truly capable of giving you tailored services. Don’t settle for dealing with an impersonal banking institution.


If you are in the beginning stages of buying your first home, you are very likely feeling overwhelmed by the experience. Buying a home is a complex process and carries with it a long list of important decisions to be made. From choosing the neighborhood you want to live in to picking the right home within your price range to finalizing the paperwork, there are numerous steps involved in acquiring your first home. One of the biggest questions a new homeowner will face is what type of loans are available to me and which one is right for me? Financing your first home can feel like an impossible task. The good news is, we are here to help you. We have years of experiencing helping first-time home buyers find the right loans for their needs. Feel free to reach out anytime to learn more about first-time home buyer loans in Iowa. We can help you find the perfect loan for your particular needs.

So what is a first-time home buyer loan? Simply put it is a loan geared towards someone who has never owned a home before and is looking to...


Welcome to our blog! As your local Des Moines hometown mortgage financing professionals, we are here to assist you with all your unique financial needs. We are not a large corporation that believes in a one-size-fits-all approach. Instead, we are a local business and we always cater to the individual client’s needs. We live here in Des Moines with you, and we understand the specific needs Iowa residents face. Whether you are seeking a first-time home buyer loan, or you are interested in learning more about 30 year mortgage rates, we have the answers for you.

Not only do we have experience working here in Iowa and navigating the requirements for loans, we take the time to address your specific needs. The best part about it is you don’t have to take our word for it, you can experience it yourself. Feel free to reach out and talk to a real live person anytime to learn more about the variety of home purchase solutions we provide.

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