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Joe Spisak at Waterstone Mortgage NMLS #19739...
Branch Manager
With 27+ years in the mortgage industry, Joe Spisak is a nationally recognized mortgage professional dedicated to helping clients secure the best loan options with great pricing and a seamless experience. His team prioritizes client care, t... Show More
Location & Business Hours
Business Hours
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Shannon H
Reply from Joe Spisak
August 6th, 2026 06:58 PM
Hello Shannon-Thank you for the 5 star review!!
Joe and his team were so friendly, helpful, and informative during a very stressful time for us. They answered every question we asked and explained everything thoroughly.
Reply from Joe Spisak
August 6th, 2026 06:59 PM
Shannon-Thank you for the kind review. It was great working with you too. Thank you for trusting me and my team to be there to help you.
I never knew it could happen.! Renting for so many years on a fix income with 2 disabled people. ! Im speechless with the work they have done for us! The whole team .! Together we found my familys forever home.! Team SpisakWhere the answer...
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Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Jason R
Reply from Owner
August 1st, 2026 03:20 AM
Thank you for thee 5 star review Jason!
I will ask around if anyone needs either a new mortgage or refinance. You are the absolute first person I am recommending to anyone serious.
Reply from Joe Spisak
August 1st, 2026 03:21 AM
Thank you, Jason! 👊🏻
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Gabriela C
Reply from Owner
August 1st, 2026 03:21 AM
Gabriela-Thank you for the great review!
I had an outstanding experience working with Waterstone Mortgage for my refinance. From start to finish, the entire team was professional, knowledgeable, and incredibly responsive. I truly felt like they cared about helping me achieve the best...
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Reply from Joe Spisak
August 1st, 2026 03:22 AM
Yes we do Gabriela! Thank you for the kind review.
Joe was very helpful throughout the process and answered all of my questions. I could tell he had my best interests in mind and truly cares about helping others.
Reply from Owner
July 9th, 2026 02:13 PM
Brian, I'm grateful for your generous words. It's good to know that you felt supported and that I could answer all your questions. Your best interests are always a priority for me.
Joe answered all my questions and was very helpful throughout the process. I could tell he had my best interests in mind and truly cares about helping other.
Reply from Joe Spisak
July 1st, 2026 04:14 PM
Brian-Thank you for taking the time to write this review and share your experience.
Joe was very responsive and patient with our questions . his work close with Kayla was seamless The reminders and requests were persistent but kind . 10/10 experience
Reply from Joe Spisak
June 27th, 2026 03:56 AM
Erika-Thank you for the kind review. It was great to work with you and OJ. I wish you both the best and look forward to our future interactions.
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About
With 27+ years in the mortgage industry, Joe Spisak is a nationally recognized mortgage professional dedicated to helping clients secure the best loan options with great pricing and a seamless experience. His team prioritizes client care, transparent communication, and proactive problem-solving to make the process smooth. As an expert in a wide range of loan products, Joe ensures each homebuyer finds the perfect mortgage for their needs. Backed by Waterstone Mortgage’s cutting-edge technology, Joe and his team provide exceptional service every step of the way.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Specialities
Purchase mortgage loans & house hacking
Refinancing
VA home loans
Conventional home loans
multi unit home loans
condo home loans
Investor loans and property acquisitions
cash-out refinancing
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Memberships
- NMLS
Year Started
2000
Time Zone
Central Standard Time (CST)
Licenses
- NMLS #197397
Awards
Hobbies
- Fishing
- Faith
- Hockey
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Disclaimer
State of Iowa Licensee Exempt.Massachusetts Mortgage Lender License #MC186434.Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Branch License #41DBO-91094.Illinois Residential Mortgage Licensee #MB. 6760383-009.Massachusetts Mortgage Broker License #MC186434.Arizona Mortgage Banker Branch License #1005269.State of Kentucky Licensee Exempt. Waterstone Mortgage Corporation (NMLS #186434) is headquartered in Brookfield, Wisconsin, and is a wholly owned subsidiary of WaterStone Bank SSB (NASDAQ: WSBF). Equal Housing Lender. All loan requests are subject to credit approval and program guidelines. Information published on this site should not be construed as legal advice or credit counseling. Waterstone Mortgage Corporation is not a licensed real estate broker. Any advertisement on this page is an advertisement for real estate financing only and should not be construed as an advertisement for the sale of real estate. Disclosures & Licenses: https://www.waterstonemortgage.com/policies/disclosures-licenses General Disclaimer: https://www.waterstonemortgage.com/policies/terms-conditions