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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
Friday
9:00 AM to 5:00 PM
Saturday
closed
Sunday
closed
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Reviews from Web
I can’t thank Joe S and the Waterstone Mortgage Team enough for the help and guidance they provided when I purchased a home recently. They walked me through the complete process politely and with patience answering every questions I had during...
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I was introduced to Joe and his team through my Realtor, Rachel. Hands down, would work with them all over again because I spoke with at least 2 other loan officers previously who told me "I can't help you" based on my financial circumstances....
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It was very easy and simple
Reply from Joe Spisak
May 2nd, 2026 05:39 PM
Lupe-I'm so glad you found the process so easy and straight forward!
Joe and Kayla helped ensure that me and my small family of 3 would get into the home we were under contract with. We had an unusual situation and didn't expect to be able to buy, but we're thrilled to now be homeowners after 2 other loan officers...
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Reply from Owner
May 2nd, 2026 05:42 PM
Awe, thank you for this gracious review. We care and we're glad when it shows. For our part, we loved working with and for you and your family. 👊🏻
If not for Joe and his team, I would've been stuck renting again! Joe and Kayla worked hard to ensure that we got the home we were under contract with! My husband and I were shocked we were able to even buy this year especially after at least...
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Reply from Joe Spisak at Waterstone Mortgage N...
April 30th, 2026 11:23 PM
Bertina-It was our pleasure to be of help to you and your family. Thank you for trusting us and do expect us to be in touch. Feel free to reach out anytime with any questions.
Joe & Kayla are the best. Providing all the support needed. Simply the best!
Reply from Joe Spisak at Waterstone Mortgage N...
April 24th, 2026 03:22 PM
Steve-It was an honor to work with and for you and your bride. I look forward to seeing you soon.
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Nkostidi
Reply from Owner
April 24th, 2026 03:23 PM
Nicck-Thank you for the review. It was great working with and for you. I look forward to us working together again in the future.
Joe and Kayla put in lots of time and effort to make sure everything went smoothly in a quick, responsive manner.
Reply from Joe Spisak
April 19th, 2026 08:28 PM
Thank you for this kind review, Nick!
Joseph Spisak is very kind and a great person. He goes over and beyond to get the job done, and also he works with you. He explains everything step by step to help you understand everything better. He responds to your questions and emails and...
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Reply from Owner
April 14th, 2026 12:00 AM
Shurron-You're most welcome for the "extra" effort we provided. Please spread the word about us and your agent to those you know so we may also extend our help and positively impact more lives. 👊🏻
they put they all and work very hard to get the job done they also responds back and break down everything ste by step to help you understand everything and they work with you I had a extremely great experience and I'm very thankful and blessed...
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Reply from Joe Spisak
April 10th, 2026 09:32 PM
Thank you, Shurron, for this awesome review. We were thankful to be able to be of help to you. Getting you all that down payment and closing cost assistance was a big deal. Thank you for trusting us and staying the course! :0)
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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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729
/850
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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