Apply now

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

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
Apply now

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

Learn more
Mortgage management

Mortgage management

Learn more


Learn more


Learn more


Learn more
Equity management

Equity management

Learn more
Financial planner

Financial planner

Learn more
Estate planning attorney

Estate planning attorney

Learn more


Learn more
Divorce attorney

Divorce attorney

Learn more

Know Your Monthly Mortgage Payment

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

What my clients say...


Emily Vogel


Ankeny, IA

Apr 18, 2023

James has wonderful communication and found a way to lower my mortgage payment while also paying off my car with no extra money down. He answered all of my emails within a very timely manner and has a very friendly, pleasant demeanor. Highly recommend.


Ashley Wallingford


West Des Moines, IA

Apr 5, 2023

Very helpful, answers all questions and makes the process easy. Answers phone calls and emails timely


Stacey Cole


Prole, IA

Mar 20, 2023

James was extremely patient with me as I was moving in connection with my job and the duration was a long time. He also made himself available anytime.


Michaela Wolfe


Adel, IA

Mar 18, 2023

My husband and I originally met James through a coworker and we were in the process of wanting to buy a home but needing advice on how to get our credit scores up. He worked with us for a little over six months trying to find ways to up our credit scores, and when we were ready to purchase our home, he made it super easy, and an overall great guy to work with.


Tran Luong


Des Moines, IA

Mar 8, 2023

James walked us through possible financial scenarios and gave us a better understanding of our own criteria when selecting a home mortgage. As first time home buyers, we really didn't know very much about the process or the role our financial situations played into when deciding to buy a home. We appreciate the transparency and honesty from James and his team.


Rebecca Fleming


Norwalk, IA

Mar 6, 2023

Seamless process and professional!


Kevin Dill


Waukee, IA

Feb 28, 2023

Very easy process


Tamara Doom


Adel, IA

Feb 8, 2023

Professional and competent staff


Katie Harpenau


Carlisle, IA

Jan 23, 2023

James would do anything we needed for us at any time of the day.


Katherine Sheridan


West Des Moines, IA

Jan 12, 2023

James was so helpful answering our questions and getting us the information we needed. We were complete newbies with this being our first home and James made the process easy! Thank you James!


Dawn Schwichtenberg


Urbandale, IA

Nov 30, 2022

James is very friendly and easy to work with. He is proficient at consulting!


Michael Schwichtenberg


Urbandale, IA

Nov 22, 2022

James was always available to answer any questions we had. Excels in communication and made the whole process extremely easy. We won the lottery by having him help us with the process.


Christopher Sheely


Maxwell, IA

Nov 22, 2022

Went very smooth!


Mitchell Dunn


West Des Moines, IA

Nov 19, 2022

It was a very smooth and easy process!!


Sheila Dunn


West Des Moines, IA

Nov 17, 2022

Outstanding support from beginning to end…thank you to James and the rest of his team!


George Macharia


Des Moines, IA

Nov 5, 2022

This was 2nd time worked with James and service was nothing short of great in both occasions. Great with advise and updates throughout entire process. Would highly recommend them to anyone seeking mortgage financing

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."

4.95 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.

    Read more on Yelp
    +1 (515) 224-2100

    6630 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) 362-8168

    5906 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) 221-9900

    5990 University Ave, West Des Moines, IA 50266

  • 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) 259-8540

    440 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) 777-2337

    555 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) 528-2212

    9250 University Ave, Ste 107, West Des Moines, IA 50266

  • 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) 440-6255

    101 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) 777-0667

    1731 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) 255-5900

    526 East Grand Ave, Des Moines, IA 50309

  • 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) 226-3333

    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...

    Read more on Yelp
    +1 (515) 313-0700

    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

    Read more on Yelp
    +1 (515) 270-2100

    560 S Prairie View Dr, Ste 100, West Des Moines, IA 50266


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