Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Josey Cabaj

Sales Manager

NMLS# 370053

345 W. Washington Ave., Suites 326, 327, 331, 333,
Madison, WI 53703

Email

Phone

Social

Apply Now

Or, access your existing account

Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

About me

Josey has been in the mortgage business for over 25 years and has spent the last 15+ years as a loan originator. She feels very fortunate to have a great team that helps her create an exceptional experience for every homebuyer. Seeing the smiles on their customers' faces at closing is why her team loves what they do. Helping people achieve their dream of homeownership is the most rewarding part of Josey’s career.

Josey has lived in Baraboo for 40 years. She is happily married to her husband of 35 years, and together they have two children and five grandchildren (all of whom live in Baraboo). When not working, she enjoys spending time with family, camping, watching sports, reading, and doing anything outdoors.

READ BLOG

Let's find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don't have a large down payment saved up though, don't worry. We have Conventional loan options for down payments as low as 3%.

FHA

If you're looking to buy on a tight budget, these loans are a great option. It's easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They're also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

Jumbo loans

Jumbo loans offer larger loan amounts than most other loan programs. These loans are a great option if you're looking to buy a more expensive home and have a great credit score and strong financial situation.

USDA

Are you purchasing a rural property? A USDA loan is a great fit. Enjoy lower interest rates with no down payment. These loans are best suited for homebuyers with moderate to low income and are offered to rural property owners through the U.S. Department of Agriculture (USDA).

VA

If you're an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you'll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

Down payment assistance

If you're purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.

Home Equity

Open the door to new possibilities by accessing your home's equity whether it's to afford tuition, renovate, consolidate high-interest debt, purchase a second home or tackle an emergency expense. A home equity line of credit (HELOC*) or home equity loan (HELOAN) can help wherever life takes you.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Home equity insights

For homebuyers

Discover homes that grow equity

For homeowners

Learn how much your home is worth

For illustrative purposes only. Guild Mortgage is not affiliated with Homebot. Clicking the above links redirects to Homebot controlled sites.

Testimonials

The rating and reviews below represent my top reviews.

4.96 out of 5.0 stars

5.0

4.8

5.0

4.9

Leave A Review

Taylor

Nov 2, 2025

Noelle, Kylie, and carol were top notch They made our experience so wonderful and we cannot thank them ...See more

Stacy S.

Nov 6, 2025

Josey and her team made the experience for my Buyers a smooth process from beginning to end. They found the best loan fo...See more

Stacy

Nov 6, 2025

The team work efficiently and with excellent communication to me as the Buyer's Agent. They helped my client find the be...See more

Bob

Nov 6, 2025

Communication is key!

Erin

Nov 2, 2025

They are very nice Communication is real good tooly.

Ashley

Nov 5, 2025

The team at waterstone mortgage were very helpful in assisting us with getting approved for a loan in the amount that we...See more

Video Gallery

Awards

Causes & Memberships

NMLS ID #370053

I am authorized to do business in the state of Wisconsin.

Josey Cabaj

Sales Manager

Email

Phone

Social

Mobile app

Apply Now

About me

Let's find the right home loan for you

Conventional

FHA

Jumbo loans

USDA

VA

Down payment assistance

Home Equity

Home equity insights

For homebuyers

Discover homes that grow equity

For homeowners

Learn how much your home is worth

Testimonials

Video Gallery

Awards

Causes & Memberships