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Kimberly Martinez-Bartholow

Your Trusted Mortgage Professional

Kimberly Martinez-Bartholow · Loan Officer

NMLS# 2058416

Call +17027696004 Contact Me Start Working with Kimberly
KM

Mortgage Advisor

Xpert Home Lending

NMLS# 2058416

+17027696004
About

Meet Kimberly

Areas Served

AZ CA FL NV OR UT WA

Kimberly Martinez-Bartholow is a dedicated mortgage professional committed to helping clients navigate the home financing process with confidence. With a focus on personalized service and clear communication, Kim works closely with each borrower to find the right loan solution for their unique needs.

Whether you are purchasing your first home, refinancing, or exploring investment opportunities, Kim is here to guide you every step of the way. Contact Kim today to get started on your mortgage journey.

7 States Licensed
Kimberly's Advantage

Why choose Kimberly?
 
 
 
 

01

Speed That Sets Records

Xpert Home Lending consistently closes loans faster than the competition. A smoother process and happier clients.

02

Direct Access, Always

You work directly with your Xpert advisor and their team— no call centers, no runaround.

03

Proven Track Record

Thousands of successful closings backed by 5-star client reviews.

04

Hundreds of Options

Not all situations are Cookie Cutter. With over 150 possible lenders to match with your loan file, Kimberly is uniquely capable of finding the perfect fit for your unique situation.

Plan Your Purchase

Mortgage Payment Calculator
 
 

Payment Estimator Kimberly's Calculator
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Estimated Monthly Payment

$2,076

Principal & Interest $2,076
Loan Amount $320,000
Start Working with Kimberly

No obligation. Takes about 2 minutes.

Client Reviews

Real Reviews from Kimberly's Clients

"Kim is hands down one of the best lenders I’ve had the pleasure of working with. She is someone I trust wholeheartedly to guide my clients through the lending process smoothly and honestly from start ..."

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Haley Atkin
Haley Atkin 2026-01-06
Google Review

"By far of the best mortgage lenders around. She is knowledgeable, and thorough with her process. She takes her time understanding what is needed both on the realtor’s side and the client’s side. I am ..."

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Daniel Costantini
Daniel Costantini 2026-01-19
Google Review

"I loved working with Kim to buy my first house in 2022. I got connected with her through my amazing Realtor, Dee Prodigalidad, and Kim walked me through all aspects of preparing to purchase, making ..."

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Courtney Messinger
Courtney Messinger 2026-01-19
Google Review

"I had the pleasure of working with Kim back in October when she was the buyer’s lender and I was the listing agent, and she was absolutely fantastic to work with. She was always available to answer ..."

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Beatriz Carvajal
Beatriz Carvajal 2026-01-21
Google Review

"As a real estate agent, it is essential that you have a great lender / lending partner because it can sometimes make or break the deal. Kim is my go to mortgage advisor and I am always confident that ..."

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Danielle Prodigalidad
Danielle Prodigalidad 2026-01-08
Google Review
Loan Programs

Available programs

Conventional FHA VA USDA Jumbo Reverse Bank Statement
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Kimberly Martinez-Bartholow

Mortgage Advisor

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Hey Kimberly! I am Your Name, came across your profile on the Xpert Website and am wanting some help on a home purchase. What would be my next steps?

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