"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 to finish. ..."
Haley Atkin
The Right Mortgage Is Simpler Than You Think.
Finding the right loan doesn't have to be complicated. Whether you're buying your first home, refinancing, or exploring your options, the process starts with one conversation, and the right guidance makes all the difference. We match you with the mortgage product and terms that fit your goals, your budget, and your life.
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.
KimberlyKimberly Martinez-Bartholow · NMLS 2058416
One conversation. No application, no credit pull.
Tell Kimberly what you're trying to do. Kimberly takes it from there.
Start the conversation
You're in
Thanks, there. Kimberly has your details.
- Kimberly reaches out personally, usually the same business day.
- You'll walk through the programs that fit your goal and see real numbers.
- You decide the next step: a written preapproval, a call, or keep the numbers for now.
Xpert Home Lending, Inc.NMLS #2179191Equal Housing Lender
Kimberly Martinez-Bartholow, NMLS #2058416
Licensed in Arizona, California and 5 more
What happens next
Three Steps. No Pressure.
- 01
Tell Kimberly your goal
Share a few basics so Kimberly understands your timeline and budget. That's the whole form.
- 02
We match programs across our lender network
Xpert works with a large network of lenders. Kimberly compares programs, pricing, and guidelines across them and highlights the options that fit you best.
- 03
You choose your path
Talk to Kimberly, get a written preapproval, or keep the numbers for now. Your call.
Proof
Borrowers Who Work with Kimberly
"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 very happy with my ..."
Daniel Costantini
"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 the purchase, and ..."
Courtney Messinger
Before you fill out the form
The Questions That Stop People.
No. Sending this form doesn't touch your credit. If you decide to move toward a preapproval, Kimberly asks for your permission first and tells you whether it's a soft or hard inquiry.
No. Your details go to Kimberly and Xpert Home Lending's secure system so Kimberly can follow up with you. We don't sell or rent your information to third parties. The privacy policy in the footer spells out exactly how it's used.
A bank can only offer its own programs. Xpert Home Lending works with a large network of lenders, so Kimberly can compare programs, pricing, and guidelines across many of them and show you the options side by side. One conversation, many options, and you choose.
Often within one business day once Kimberly has your income documents and your permission to run credit. If you're about to write an offer, say so and Kimberly will prioritize it.