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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
Joe Spisak and his team were so incredible to work with. They went above and beyond every step of the way. From quick turnaround times for pre approvals, to supporting our many questions, to efficient document gathering and processing, the...
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Reply from Joe Spisak
July 10th, 2025 05:47 PM
Wesley-Thank you for the great review and for trusting me and the team to do right by you and Carla every way we could think of. I'm so happy you had a great experience. I look forward to staying in touch and our future conversations.
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Amy R
Reply from Owner
July 5th, 2025 08:02 PM
Amy, you and Dan were a real joy to work with. Thank you for granting me and my team your trust as this allowed us to work effectively with and for you. Please tell Dan to send over fish pics from the local pond!
Joe is a caring , astute professional who goes above and beyond. Always timely with his response and eager to help, we appreciated his support throughout our home sale and home-buying journeys.
Reply from Joe Spisak
July 10th, 2025 10:49 PM
Amy, I sincerely appreciate your kind words my/my team's dedication and professionalism. It's great to know that our timely responses and support were valuable during both your home sale and home-buying journeys. Thank you for choosing to work...
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Joe and Kayla are absolutely the best team in the business. I have worked with them 3 times, and I would never ever work with anyone else. They are responsive, thoughtful, caring, and so so knowledgeable.
Reply from Owner
January 6th, 2026 02:32 PM
Shaunagh-It was our honor to be of help to you, again. Thank you for this kind review and for your continued trust. We'll be here for any questions or needs you have and will continue to look out for your best interests.
Joe and Kayla are absolutley the best team in the business. I have worked with them 3 times, and I would never ever work with anyone else. They are responsive, thoughtful, caring, and so so knowledgable.
Reply from Joe Spisak
July 2nd, 2025 06:55 PM
Shaunagh! Thank you for the very kind review and for sharing your experience so others can benefit. It was out distinct pleasure to be of help to you again.
I can’t say enough good things about Joe and Kayla—they were absolutely amazing to work with during my mortgage process. From day one, they made me feel supported, informed, and truly cared for. Buying a home and dealing with loans can be overwhelming,...
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Reply from Joe Spisak
June 26th, 2025 06:57 PM
Gino! Thank you for this super kind review. We enjoyed being part of your process in buying your home and are looking forward to helping you accomplish your big goals, over time. Thank you for being so great to work with and for spreading the...
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Joe and his team were great to work with! I applied for a mortgage for a new home. I had a lot of questions which were all fully explained to me. They responded to my emails and calls quickly. They gave me an overview of what to expect during...
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Reply from Owner
June 26th, 2025 06:58 PM
Tammy-thank you for the very kind review. We enjoyed being of help to you. As promised I'll personally be in touch with you should these rates move substantially lower. Between now and then always feel free in reaching out with any questions,...
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Joe and his team were great to work with! I applied for a mortgage for a new home. I had a lot of questions which were all fully explained to me. They responded to my emails and calls quickly. They gave me an overview of what to expect during...
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Reply from Joe Spisak
July 1st, 2025 02:25 PM
I'm delighted to hear that your mortgage process was seamless and that all your questions were thoroughly addressed. It was a pleasure assisting you, and I'm glad our tools and information were helpful during your home selection. Thank you...
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We had a wonderful experience with Joe and Kayla during the home buying process. They made sure everything was smooth, clear, and stress-free from start to finish. Their communication and expertise kept us informed and comfortable every step...
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Reply from Joe Spisak
June 23rd, 2025 02:29 AM
I'm thrilled to hear about your wonderful experience with both Kayla and me during your home buying process. Ensuring a smooth, clear, and stress-free experience is always our goal. Thank you for recommending us, and I'm glad we could assist...
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As first time home buyers, we had a lot of questions . But Kayla and Joe both took time to answer all of our questions and ensure we were confident every step of the way during this process. We knew we were in good hands.
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Reply from Joe Spisak at Waterstone Mortgage N...
June 16th, 2025 08:52 PM
I'm glad to hear that your first home buying experience was positive and that both Kayla and I were able to address all your questions. Ensuring your confidence throughout the process was our priority. Thank you for trusting us, and congratulations...
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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