Meet Kathleen

Kathleen Sharpe has been lending to homebuyers in Santa Fe and Los Alamos for more than 15 years. Every buyer is different – and for Kathleen, puzzling out just the right solution, to fit your individual situation, is what she loves.

Kathleen, who’s been in the mortgage field since 1987, also taps into a music background. She says it’s taught her to truly listen. Clearly, she’s made her customers happy, because nearly all of her business comes from referrals. 

Without your professional, kind and committed work, we would not have closed on such short notice and good terms. I have been in banking and real estate for decades in Santa Fe. You are truly first-rate and a delight to work with. We are happy to recommend you to any who seek a guide through the maze of the mortgage world. Mil gracias ... a thousand thanks.
David & Kate Ater

How Kathleen Works

Kathleen wants her customers to feel comfortable from the beginning. You always have the option to either meet with her face to face or to fill in an online loan application, whichever you prefer. It’s extremely important to Kathleen that you know what documents you need and how the process will work. You need to know what to expect, without getting overwhelmed.

Yes, setting a mortgage can be stressful – but with Kathleen, you can relax, understanding that your mortgage is in good hands.  

Build Your Own Masterpiece

If your dream home doesn’t exist … why not build it? Whether you’re looking at a more standard blueprint, or intend to do a custom build, Bell Bank Mortgage is here to help. Our borrower-financed construction lending program is designed to provide you flexibility and control when building your new home.

If you’re interested in learning more about the new construction loan process, your loan options (including our exclusive one-time close program!) and how Bell Bank Mortgage and I can help you finance your picture-perfect home, I’d love to help.

Expertise and Specialties

  • Conventional loans
  • Fannie Mae and Freddie Mac programs
  • FHA loans
  • VA loans
  • Jumbo and portfolio loans

New Construction


MortgageMapp is an electronic business card that does more than share my contact information with you. It also gives you 24/7 access to various tools and calculators to help you research mortgage or refinance options. You can easily share this app with friends and family.

With access to multiple investors, we give clients the flexibility of highly competitive rates and a wide variety of loan programs. We have access to portfolio financing, which provides clients with more financing options.


  • Calculate Payments
  • Real time rate trends
  • Request a pre-approval
  • Share with family friends & clients

Download Today.

More About Kathleen

Kathleen loves to help people in whatever capacity is appropriate.

Away from work, her hobbies are nutrition, nature and gardening. She loves to grow flowers, especially roses. I also loves to learn about nutrition and cook – creating food that is healthy and tastes incredible!