Boulder Home Loans from Basecamp Lending
— Your Dream Home Starts Here
Local Boulder residential mortgage broker helping Colorado families secure the best rates on home purchases, refinances, FHA, VA, and jumbo loans — with personal service from application to close. Founded by Cisco Quintero. NMLS #346050.
Expertise
We're Your Neighbors,
Not Just Your Lender
Founded by Cisco Quintero, Basecamp Lending is a Boulder-based team that knows the Front Range market inside out. We shop dozens of lenders to find you the lowest rate — and we hold your hand every step of the way.
Deep Local Knowledge
We understand Boulder's unique market — from Pearl Street to South Boulder — and have lender relationships that reflect it.
Fast, Transparent Closings
Our streamlined process means pre-approvals in 24 hours and closings in as little as 21 days — no surprises, no runaround.
Rate-Match Guarantee
Find a lower rate elsewhere? We'll match it — or beat it. Our job isn't done until you feel great about your mortgage.
Every Path to Homeownership
Has a Loan for It
From first-time buyers to seasoned investors, we offer flexible programs tailored to your situation.
Conventional Loans
Competitive fixed and adjustable rates for buyers with solid credit — great for primary residences and investment properties.
Learn more →FHA & VA Loans
Low down payment options for first-time buyers via FHA, and zero-down benefits for veterans and active military through VA.
Learn more →Jumbo Loans
Financing above conforming limits for Boulder's premium properties — with competitive rates and white-glove service.
Learn more →Refinancing
Lower your monthly payment, access equity, or shorten your term. We analyze your current loan and find savings.
Learn more →Bank Statement Loans
Self-employed? We offer 12–24 month bank statement programs that work around non-traditional income documentation.
Learn more →Construction Loans
Building your dream mountain home? Our one-time close construction-to-perm loans simplify the process start to finish.
Learn more →DSCR Investor Loans
Qualify based on your property's rental income — not your personal income or tax returns. Our Debt-Service Coverage Ratio (DSCR) loans are non-QM mortgages built for real estate investors. If the property's cash flow covers the debt, you qualify.
- No personal income verification or W-2s required
- Single-family, multi-unit & short-term rentals (Airbnb/VRBO)
- LTVs up to 80% · Min DSCR as low as 0.75
- Unlimited financed properties
- Close in an LLC or entity
From Application
to Keys — In 4 Simple Steps
Quick Pre-Approval
Answer a few questions online or by phone. Get your pre-approval letter in as little as 24 hours.
Rate Shopping
We compare dozens of lenders on your behalf to lock in the best rate for your unique profile.
Document & Review
Our team guides you through docs with a dedicated portal. No fax machines. No confusion.
Close & Celebrate
Sign, close, and get the keys — we'll be there at every step and ready to answer calls on day one.
What Boulder Homeowners
Are Saying About Basecamp Lending
Cisco Quintero was masterful in all phases of our negotiations with the bank and title company. He was extraordinarily patient and willing to work on my time frame. I am certainly grateful for his expertise and flawless execution in handling my loan. Without reservation, I would highly recommend Cisco and Best Rates Colorado, LLC to all my friends and associates.
Cisco- Thanks again for your patience in getting the refinancing done!
Cisco Quintero was a pleasure to work with getting our new home at the best rate possible. The whole process was made easy by walking through each and every step. Even when issues arose they were dealt with very quickly and got it all completed past our satisfaction. I would highly recommend Cisco to anyone looking to buy or refinance their mortgage
Cisco: Thank you for being so determined, patient and persistent in getting my refinance across the finish line. I'm very happy that we have closed. We'll get in touch with you and go out and celebrate. Again, many thanks to you.
After struggling to refi my condo for the past year I was referred to Cisco. Being a small business owner presented a number of unique challenges, but none that couldn't be handled in a timely and professional manner. Cisco was patient, professional, and on top of every detail through this whole process. It goes without saying that he has the best rates in Colorado, but more than that he has the right touch in difficult situations.
Cisco: Thanks again for my refinance, you helped me many times!
Thank you for this! I appreciate you double checking and am so thankful for your help and timing of getting our loan sorted.
Cisco Quintero is a "can do" mortgage broker. We had a difficult and complicated refinance that other brokers said couldn't be funded. Not only did Cisco get it done at a very low rate, but he did it in a very professional manner, with a positive attitude, and he always communicated with us every step of the way. He even went out of his way to clear up some credit issues on our behalf. The entire experience was stress free. We highly recommend Cisco! Thanks Much,
Dear Cisco, Jeff and I are absoltuely in Love with our new home! Thank you a million times. Jeff and I are so looking forward to having you over to our new home to celebrate. I just wanted to let you know that the next month and half are crazy for us but we would love to have you over in December. Please let me know if there is a good day in December for you to come over for dinner. Thank you again for everything! Hope all is going wonderful for you and your Mom!
Simply stated, Cisco Quintero exceeded our expectations in finding and securing a home loan for us. Not only did Cisco negotiate terms with the lender that were more favorable than we ever dreamed of (especially given we are both self-employed), but he also obtained approval for our loan well before our closing date in a time when lenders are especially demanding. I would recommend Cisco without any reservations and truly appreciate his level of service and professionalism in helping us achieve our dream of owning a home in Boulder.
Cisco provided exceptional service in refinancing my home. He is quick to answer questions and cares that his customers understand everything about the numbers and process. Thanks to his help and expertise we were able to get my loan approved quickly and lock in the best rate and closing fees to meet my goals. I strongly recommend Cisco to anyone looking for expert Mortgage broker.
Applying for a loan seemed stressful and impossible... Cisco made this task flow by staying on top of paperwork, communications and deadlines. With his help we were able to get a great loan to purchase our beautiful new home ahead of schedule.
Boulder Residential Lending —
Cisco's Perspective
I've been financing Boulder homes since 2007 — through market booms, rate spikes, and everything in between. What I've learned is that the Front Range buyer deserves more than a one-size-fits-all approach.
If you're a first-time buyer in South Boulder or Gunbarrel, FHA or conventional financing gets you in the door with the lowest upfront cost. If you're self-employed — like many Boulder professionals — a bank statement loan lets your actual cash flow speak instead of your tax returns. And if you're an investor building a rental portfolio in the mountains, a DSCR loan qualifies on the property's income, not yours.
Here's what I tell every client: match the loan to your life situation. Run your scenario with me and I'll show you exactly what you qualify for, what it costs, and how fast we can close. No pressure. No runaround. Just straight answers from someone who lives here and knows this market.
Boulder Families
Rooted in the
Front Range Community
Basecamp Lending has been helping Boulder families finance their homes since 2007. Founded by Cisco Quintero, we live here, hike here, and care deeply about our neighbors having access to fair and transparent residential lending.
Whether you're buying your first home near CU Boulder, upgrading in the Foothills, or investing in a vacation rental in the mountains — we know this market, and we're on your side.
Start My ApplicationLet's Find Your Best Rate
Click below to start your secure application — it only takes a few minutes.
Ready to Get Started?
Our quick online application takes few minutes. Get pre-approved fast and lock in your best rate with a local Boulder lending expert by your side.
Start My Application → 📅 Schedule a Call🔒 Secure & encrypted · No obligation · Takes few minutes
Schedule a Call
Pick a time that works for you — no pressure, no obligation.
Book a Free Consultation →Office
Boulder, CO 80302
Phone
(720) 924-1134
Mon–Fri, 8am–6pm MT
ciscoquintero@gmail.com
Response Time
We respond to all inquiries within one business day — usually much sooner.
NMLS #346050 · Licensed in Colorado · Equal Housing Opportunity · Rates shown are for informational purposes and subject to change. Not a commitment to lend.