My Bonds is a trusted, user-friendly online platform specializing in Surety Bonds across the United States. We make the traditionally complex and time-consuming process of obtaining surety bonds simple, fast, and transparent for contractors, businesses, and individuals.

Who We Are

At My Bonds, we believe everyone deserves quick and reliable access to the bonding solutions they need to grow their business and meet regulatory requirements. Founded with a clear mission — to simplify surety bonding — we leverage modern technology and deep industry expertise to deliver bonds faster than traditional agents, often with instant approval options and competitive rates.

What We Offer

• Contract Bonds (Bid, Performance, Payment, Maintenance)
• License & Permit Bonds (for various states and industries)
• Court & Judicial Bonds
• Public Official Bonds
• Miscellaneous Surety Bonds

Whether you need a bond for a construction project, a professional license, or a specific legal requirement, My Bonds provides a seamless digital experience from application to issuance.

Why Choose My Bonds?

• Speed — Get bonded in minutes, not weeks
• Simplicity — Easy online application with minimal paperwork
• Competitive Pricing — Transparent rates with no hidden fees
• Nationwide Coverage — Bonds for all 50 states
• Expert Support — Knowledgeable bonding specialists ready to assist
• Security & Reliability — We work with highly rated surety carriers (A-rated and above)

My Bonds is more than just a website — we are a modern bonding partner committed to helping American businesses operate with confidence and compliance.

Location: 1201 Keosauqua Way, Des Moines, IA 50309

Meet the Team:

James J. Garza – Senior Bond Specialist

Professional Bio

James J. Garza is a Senior Bond Specialist at My Bonds with over 14 years of specialized experience in the surety bond industry. Known for his deep technical knowledge and client-first approach, James has successfully helped thousands of contractors, businesses, and professionals secure the bonding they need to operate and grow.

Experience & Expertise

Before joining My Bonds, James spent more than a decade at one of the nation’s leading surety underwriting firms, where he managed a large portfolio of contract and commercial bonds. He holds the prestigious CPCU (Chartered Property Casualty Underwriter) designation and is well-versed in bonding regulations across all 50 states.

His expertise includes:

• Contract Surety Bonds (Bid, Performance, Payment & Maintenance)
• License & Permit Bonds
• Subdivision, Utility, and Development Bonds
• Court, Probate, and Miscellaneous Bonds

Role at My Bonds

As Senior Bond Specialist, James leads the high-value and complex bonding cases at My Bonds. He works closely with the underwriting team to secure the best terms and rates for clients while providing personalized guidance throughout the entire bonding process. His extensive relationships with multiple A-rated surety carriers allow him to find creative solutions even for challenging or high-risk accounts.

How He Helps Clients

James is passionate about removing the stress and confusion from surety bonding. He takes the time to understand each client’s unique situation, simplifies the application process, and clearly explains all requirements and options. Whether a client is a first-time applicant or an established contractor needing a large performance bond, James ensures they receive fast, accurate quotes and expert support from start to finish.

Clients consistently praise James for his responsiveness, honesty, and ability to get difficult bonds approved that other agents couldn’t.

Lena D. Moise – Surety Bond Advisor

Professional Bio

Lena D. Moise is a dedicated Surety Bond Advisor at My Bonds with over 9 years of hands-on experience in the surety industry. Known for her approachable style and strong problem-solving skills, Lena has helped hundreds of contractors, small business owners, and professionals navigate the bonding process with confidence and ease.

Experience & Expertise

Lena brings extensive practical knowledge gained from working with both regional surety agencies and national carriers. She specializes in guiding clients through the full range of surety bonds and stays current with changing regulations across all 50 states.

Her areas of expertise include:

• License & Permit Bonds
• Contract Bonds (Bid, Performance, Payment, and Maintenance)
• Miscellaneous and Commercial Surety Bonds
• Public Official and Court Bonds

Role at My Bonds

As a Surety Bond Advisor, Lena serves as the primary point of contact for most clients at My Bonds. She handles initial consultations, bond applications, and client support from start to finish. Lena works closely with the senior underwriting team to secure favorable terms and works hard to get clients approved quickly — even when their situation is more complex.

How She Helps Clients

Lena is passionate about making surety bonds simple and stress-free. She takes time to understand each client’s specific needs, explains the process in plain English, and provides clear guidance on required documents and timelines. Her clients appreciate her responsiveness, patience, and ability to find the best bonding solutions at competitive rates.

Whether you’re applying for your first contractor license bond or need ongoing bonding support for growing projects, Lena is committed to delivering a smooth, transparent experience and helping you stay compliant and competitive.