Hi! I'm James...
Your Mortgage Consultant!
Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.
James Bakkie
Senior Mortgage Consultant
NMLS: 664709
Every one of our Mortgage Consultants can walk you through our products in detail – probably more detail than you want, in fact. So they definitely know their stuff.
More importantly, they want to know about you: What's your goal?Home financing tailored to meet your needs
We have a full suite of mortgage programs to meet your needs and give you a competitive edge:
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01Fixed & adjustable rate mortgages
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02Federal Housing administration loans (FHA)
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03Veterans affairs loans (VA)
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04Renovation financing
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05Jumbo loans
Where can we help you thrive?
Are you looking to buy your first home? Need help managing your mortgage payment?
Trying to figure out how to afford that renovation? Whatever you situation is, we've got the answers.
Select a module
Know Your Monthly Mortgage Payment
Justin Messer
President and CEO of Prosperity Home Mortgage, LLC, parent company of HomeServices Lending
"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."
4.95 of 5.00
Our average client rating. YTD 12/2021 on experience.com
Explore the local area. Find restaurants, delivery, movers, and more...
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Iron Wok
77 reviews
Great gluten free options and care to avoid cc. Will definitely be back! My daughter loved it too. Owners are delightful.
Read more on Yelp+1 (515) 224-21006630 Mills Civic Pkwy, West Des Moines, IA 50266
The Chicken Coop
54 reviews
Food was decent. Bit over priced for the appetizer which was my meal. Server was ok just seem they didn't want to work today. Next time om getting wings....
Read more on Yelp+1 (515) 362-81685906 Ashworth Rd, West Des Moines, IA 50266
Biaggi's Ristorante Italiano
200 reviews
I have been there dozens of times and never had a bad experience. Good food and consistently fantastic service!
Read more on Yelp+1 (515) 221-99005990 University Ave, West Des Moines, IA 50266
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Firebirds Wood Fired Grill
318 reviews
Fancy and Delicious! I love this place, the lobster and cheese dip is so good. Bbq burger is a little dry but good.
Read more on Yelp+1 (515) 259-8540440 S 68th St, West Des Moines, IA 50266
Big Grove Brewery
23 reviews
Big Grove is still "new" to the Des Moines area. My group of 4 arrived at 5 on a Wednesday, this place ran like a well oiled machine. We were seated...
Read more on Yelp+1 (515) 777-2337555 17th St, Des Moines, IA 50309
Early Bird
145 reviews
Great food and drinks!! The pancakes are amazing and the pbj French toast is out of this world good!
Read more on Yelp+1 (515) 528-22129250 University Ave, Ste 107, West Des Moines, IA 50266
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Jordan Creek Town Center
62 reviews
Huge nice new classy shopping centers all around. The mall and every shop around look new and clean. Plenty of surrounding parking. The first snide is clean...
Read more on Yelp+1 (515) 440-6255101 Jordan Creek Pkwy, West Des Moines, IA 50266
Funky Finds Vintage and Retro
20 reviews
This is by far one of the best vintage shops I have ever been to! Everything is extremely well-priced, staff is super friendly. Very covid friendly and...
Read more on Yelp+1 (515) 777-06671731 Grand Ave, Des Moines, IA 50309
Porch Light
13 reviews
Such a cute little store. Got some amazing smelling lotion and earrings from a local place. Would definitely recommend stopping in if you're in the area
Read more on Yelp+1 (515) 255-5900526 East Grand Ave, Des Moines, IA 50309
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The Operating Room
58 reviews
This is really cool arcade bar in West Des Moines. Lots of pinball machines as well as a variety of other games to play. The card system is nice so you...
Read more on Yelp+1 (515) 226-33335515 Mills Civic Pkwy, Ste 130, West Des Moines, IA 50266
Smash Park
123 reviews
If you're going to be in Des Moines then Smashpark is a must stop! Not only do they have a great drink menu and good food but you can play a ton of games...
Read more on Yelp+1 (515) 313-07006625 Coachlight Dr, West Des Moines, IA 50266
Funny Bone Comedy Club
75 reviews
The food here is amazing and affordable everytime I come here I always get the pretzel and beer cheese bring an appetite because it is filling i
Read more on Yelp+1 (515) 270-2100560 S Prairie View Dr, Ste 100, West Des Moines, IA 50266
I'm here to answer all
your mortgage questions
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Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
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Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
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What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
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What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
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Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
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What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
Take a look
inside our world
Looking at how we do business at Home Services Lending is as simple as a conversation. Are you ready to step inside?
James Bakkie
Senior Mortgage Consultant
NMLS: 664709