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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

515-782-5690
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
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

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Mortgage management

Mortgage management

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Refinancing

Refinancing

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Self-employed

Self-employed

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Veteran

Veteran

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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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Realtor

Realtor

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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:
P&I
Insurance
Taxes
PMI
HOA

What my clients say...

DM

Deanna Malloy

5.0

Des Moines, IA

Mar 12, 2024

James was informed and was able to translate mortgage and banking information to me in a clear and concise manner. He was always able and willing to help me with any questions along the way. I’m glad I had James in my corner during the buying process.

PH

Patric Harris

5.0

Pleasant Hill, IA

Mar 11, 2024

James made the process easy. He's got a great personality and is professional. I'd recommend him to anyone.

BL

Barb Logan

5.0

Des Moines, IA

Mar 9, 2024

James was always reachable for my buyer and myself. We needed to move up the closing a whole week and James and our closers made it happen. When he says we can call him anytime, he means it because he responds.

KH

Kristina Harris

5.0

Pleasant Hill, IA

Mar 8, 2024

James was there for us during the entire process. He was willing and happily answered questions. He has a very friendly, wonderful personality and was very easy to work with.

GF

Gina Friedrichsen

5.0

Norwalk, IA

Mar 4, 2024

The buyers were very satisfied with their service and I was also satisfied and felt confident in the service.

KR

Krys Rankin

5.0

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.

EE

Erin Ennen

5.0

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!

JL

John Limke

5.0

Des Moines, IA

Jan 18, 2024

Piece of Cake!

AD

Amber Darby

5.0

Des Moines, IA

Jan 17, 2024

James is awesome to work with!!

ME

Major Ennen

5.0

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.

SM

Samuel Mogerman

5.0

West Des Moines, IA

Jan 2, 2024

James was extremely easy to work with and very communicable.

NS

Nathan Soriano

5.0

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.

KM

Kayla Melick

5.0

Ankeny, IA

Dec 23, 2023

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

CD

Constance Dicks

5.0

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.

HR

Hannah Ridgway

5.0

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!

JS

Jerry Steenhoeck

5.0

Johnston, IA

Dec 2, 2023

Outstanding service-thank you.

SW

Stephanie Wright

5.0

West Des Moines, IA

Nov 28, 2023

James is awesome!

ML

McKenzie Larson

5.0

Des Moines, IA

Nov 15, 2023

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

CH

Caleb Hopson

5.0

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.

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 experience.com

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