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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

Address: 5901 Mills Civic Pkwy, Suite 4300, West Des Moines, IA, 50266
Awards received
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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?

Buy a Home
Refinance a Home
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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:

  • 01
    Fixed & adjustable rate mortgages
  • 02
    Federal Housing administration loans (FHA)
  • 03
    Veterans affairs loans (VA)
  • 04
    Renovation financing
  • 05
    Jumbo 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

First time homebuyer

First time homebuyer

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Mortgage management

Mortgage management

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Equity management

Equity management

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Financial planner

Financial planner

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Estate planning attorney

Estate planning attorney

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Divorce attorney

Divorce attorney

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Know Your Monthly Mortgage Payment

Mortgage Amount, $
Total Cost Of Mortgage, $
Monthly payment:

What my clients say...


Krys Rankin


Des Moines, IA

Feb 6, 2024

James was super knowledgeable and supportive. He went the extra mile to take care of things during the process, and was available when I needed him.


Erin Ennen


Norwalk, IA

Jan 19, 2024

James worked quickly, communicated every step of the way and was willing to answer any and all questions! He made us feel valued and appreciated as customers!


John Limke


Des Moines, IA

Jan 18, 2024

Piece of Cake!


Amber Darby


Des Moines, IA

Jan 17, 2024

James is awesome to work with!!


Major Ennen


Norwalk, IA

Jan 11, 2024

James, is very knowledgeable and very responsive. I really appreciated how easy he was to get ahold of and how fast he was able to get us the information we needed.


Samuel Mogerman


West Des Moines, IA

Jan 2, 2024

James was extremely easy to work with and very communicable.


Nathan Soriano


Waukee, IA

Dec 27, 2023

James is incredible in both talent, mortgage related activities, and most importantly looks. When he embraces me in his warm solid hug, I know that even though I now have a large mortgage to pay for, all I have to do is ask Hames for a hug and the occasional smooch and everything will be right in my life. James is amazing and smells very nice.


Kayla Melick


Ankeny, IA

Dec 23, 2023

He was prompt with responses and kind through out the process.


Constance Dicks


West Des Moines, IA

Dec 11, 2023

James Bakkie and his team were a pleasure to work with at every juncture of the process. James helped us feel knowledgeable and worry-free, he kindly kept us on track and up to date in emails and the portal (very handy) - we found the experience completely comfortable with full trust and confidence in James and his competent team.


Hannah Ridgway


Pella, IA

Dec 7, 2023

James was so personable and it felt like we had known him forever! Friendly, helpful, knowledgeable, and willing to happily help us when we had questions!


Jerry Steenhoeck


Johnston, IA

Dec 2, 2023

Outstanding service-thank you.


Stephanie Wright


West Des Moines, IA

Nov 28, 2023

James is awesome!


McKenzie Larson


Des Moines, IA

Nov 15, 2023

James was so welcoming and open to all questions! He made a stressful process seem so easy


Caleb Hopson


Waukee, IA

Nov 7, 2023

We have worked with James Bakkie many times in the past to purchase a home, refinance and purchase another home. He is and always has been an amazing person and advocate to help us achieve our home-buying goals within our budget. He gives honest advice when asked and will do everything he can to get you the best possible product and outcome with your mortgage. James was an immediate friend when we first started working with him, and has now become like part of our family. I trust James and HSL to steer us in the right direction without ever making us feel like we are being "sold" something we don't need. I will never use anyone beside James and HSL for our mortgage needs. I have and will continue to strongly recommend him to friends and others.


Drew Falco


Urbandale, IA

Oct 30, 2023

James was on top of it! Always kept us informed and I felt that he was honest! We previously were working with a lender that was not looking out for our best interest. James changed all of that. I would recommend him to everyone in the market.


Mackenzie Murphy


West Des Moines, IA

Oct 23, 2023

James was very informative and walked us through the process.


Cutter Nelson


Des Moines, IA

Oct 21, 2023

Great experience


Annissa Nelson


Des Moines, IA

Oct 19, 2023

James is very dedicated to his clients and very clearly wants the best for them. We had the best time working with him as he is extremely good at his job and is so easy to talk to.


Ted Grob


Norwalk, IA

Oct 8, 2023

James did a great job throughout the process

President and CEO - Justin Messer

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."

4.96 of 5.00

Our average client rating. YTD 12/2021 on

Explore the local area. Find restaurants, delivery, movers, and more...

  • 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.

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    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....

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    I have been there dozens of times and never had a bad experience. Good food and consistently fantastic service!

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    Fancy and Delicious! I love this place, the lobster and cheese dip is so good. Bbq burger is a little dry but good.

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    440 S 68th St, West Des Moines, IA 50266

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    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...

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    Great food and drinks!! The pancakes are amazing and the pbj French toast is out of this world good!

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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...

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    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...

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    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

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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...

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    5515 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...

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    6625 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

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What is your home worth?

Check current market values for your home and view buyer demand.

I'm here to answer all
your mortgage questions

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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

James Bakkie

Senior Mortgage Consultant

NMLS: 664709

Learn More