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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
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM(Open now)
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Reviews from Web
I appreciate Joe and Kayla's help throughout this process. I enjoy working with Joe and will continue to do so in the future!
Reply from Joe Spisak
September 22nd, 2026 03:26 PM
Braedon-Thank you for this kind review and also for trusting our team to do right by you. By doing so you empowered us to achieve your desired results, yet again. 👊🏻I look forward to our future interactions. It's always good to work with...
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Joe was always so available to answer all questions big and little. He helped us find programs that fit our family's needs and got us into our first house! great great experiences with joe and his team!!
Joe was available to answer all questions big and little. He helped us find programs that fit our family's needs and got us into our first house! great great experiences with joe and his team!!
Reply from Joe Spisak
September 20th, 2026 11:15 PM
Kailyn-Thank you for the great review and for sharing your experience so others may benefit too.
Joe and his team have helped us close on two homes and refinance once. In every instance they have been kind, professional, and timely. Joe has also personaly reached out to potentially sellers to advocate on our behalf, which we are confident...
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Reply from Joe Spisak
September 15th, 2026 05:26 PM
Wow! Thank you so much for this review, John, and for pointing out how I called the seller's side to help with getting your offer chosen over many others. I'm always happy to do that to help you, (and all of my customers/clients), and your...
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great service
Reply from Joe Spisak
September 6th, 2026 01:10 AM
Thank you for the direct and to the point, review Christine. I wish you and yours many, many years of happiness, good memories and health in your home!
Joe was absolutely a pleasure to work with!
Reply from Joe Spisak
September 3rd, 2026 04:07 PM
Aseel-Thank you, (and John), for trusting us, again, to be of service to you. As you know, I exist post-closing. Always feel free in reaching out to me. Best wishes to you and yours in your new home!
Joe and his team were the best. They made everything go very smoothly and were great at giving me any details I needed to put my mind at ease as a first time home owner.
Reply from Joe Spisak
August 20th, 2026 04:59 PM
Annette! It's been a while. Thank you for taking the time to write this review. Sharing about your experience is appreciated!
Joe and Kayla made this process very easy and smooth! it was a pleasure to work with them. Anytime I had a question, they answered asap and were patient with me which I appreciated as a first time home buyer.
Reply from Joe Spisak
August 20th, 2026 05:00 PM
Lorena-Thank you for taking the time to write this and share your experience so others may benefit. It was great to work with you too. Thank you for your trust and for spreading the word about us!
Joe and his team were very easy to work with and started on top of everything throughout the process. I would recommend them to anyone I come across looking for a mortgage.
Reply from Joe Spisak
August 20th, 2026 05:00 PM
Andy-Thank you for sharing your experience with others. Please always feel free in reaching out. I look forward to seeing you up north next year!
Our fourth home purchase with Joe and we are continually impressed and thankful for his patience and thoroughness!
Reply from Joe Spisak
August 17th, 2026 02:54 PM
Thank you for the review, Katie. It's been great to work for and with you and yours over the past 20 years!
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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