What part of the cities? Many photographers are willing to work with you on a budget you can afford. Ask around to people whose pictures you've seen and like their work. There are a lot of photographers out there with less than proper business practices. There was one who skipped town on a friend after their wedding pictures came back, the person never bothered to take a picture of just the bride and groom!
I've used Dan Hoffmann Photography and Hoffbeck Photography out of Hastings for various pics of the kiddos and have done a great job. They're both east-metro primarily though hence why I asked about what side of the cities.. SIL has used Afton Woods Photography and had success as well.