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Kimberly Martinez-Bartholow

More Than a Loan Officer—Your Mortgage Partner for Life

Kimberly Martinez-Bartholow · Loan Officer

NMLS# 2058416

Kimberly Martinez-Bartholow

Mortgage Advisor

Xpert Home Lending Inc.

NMLS# 2058416

(702) 769-6004
About

Meet Kimberly

Guided by faith and grounded in integrity, I’m committed to serving every client with honesty, compassion, and care—from the first conversation to the closing table and beyond.

Areas Served

AZ CA FL NV OR UT WA

Kim Martinez Bartholow is a dedicated mortgage loan officer committed to making the home-financing process clear, efficient, and personal. Experienced in a wide variety of loan programs, Kim works closely with each borrower to find a financing solution that fits their unique needs and goals.

She is especially passionate about helping first-time homebuyers confidently navigate the path to homeownership. Known for fast closings, exceptional communication, and personalized service, Kim keeps her clients and real estate partners informed throughout every step of the transaction.

For Kim, mortgage lending is about more than closing loans—it’s about building trust and creating lasting relationships. Whether you’re purchasing your first home, moving into your next one, investing in real estate, or refinancing, Kim is committed to providing a smooth experience and being a trusted resource long after closing.

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

"I have worked with this lender for several years, and I can confidently say she is one of the best mortgage professionals in the industry. Every client has nothing but outstanding feedback. She is ..."

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Alicia Cruz-Rivera
Alicia Cruz-Rivera 2026-01-13
Review

"Kim is an exceptional loan officer with a ton of real-world experience, and it honestly shows from the very beginning. She explains everything in a clear, easy-to-understand way, stays ahead of the ..."

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Tim Stacey
Tim Stacey 2026-01-13
Review

"Kim was a life saver she took care of all the problems we had with a cloud on our deed we didn't know about and was available 24/7 to answer all our questions as we went along until closing she was ..."

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William Reynolds
William Reynolds 2026-01-13
Review

"Kim Bartholow is super knowledgeable, attentive and wonderful to work with. Our last 2 mortgages were done through Kim and she got us the best rates available at the time for both loans. She is the ..."

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Patrick Riley
Patrick Riley 2026-01-13
Review

"Kim was great to work with. She was always on top of everything, and saved the day more than once during the process. Thank you so much"

Michael Nesto
Michael Nesto 2026-02-13
Review
Loan Programs

Available programs

Conventional Loans FHA Loans VA Loans USDA Loans Jumbo Loans Reverse Mortgages Bank Statement Loans Non-QM Loans ITIN Loans Asset Utilization Loans HELOCs Down Payment Assistance Bridge Loans DSCR Loans Commercial Loans Hard Money Loans
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Kimberly

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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