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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
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Reviews from Web
Working with Kayla and Joe on my mortgage was one of the best decisions I made during my homebuying process. From start to finish, they were incredibly knowledgeable, responsive, and genuinely committed to making sure everything went smoothly....
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Reply from Owner
May 19th, 2025 12:00 AM
Taquarius-thank you for the kind words and the awesome review. It was great working with and for you. Let's be sure to stay in touch and please send everyone over to us and Anik for their Real Estate needs.
Prompt actions and answers to questions.
Reply from Joe Spisak
May 19th, 2025 12:22 AM
I'm pleased to hear that you appreciated the prompt actions and answers to your questions, Rikutaro. Thank you for choosing Waterstone Mortgage, and I look forward to assisting you again in the future.
Here’s the corrected version of your text:Joe and his team were easy to work with and provided me with the best options to purchase my new home. His support team kept me on track with the information I needed to provide to keep the process...
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Reply from Owner
May 12th, 2025 12:00 AM
Thank you for the kind review and non-paid-for advertising! :0) Yes, we got you a good rate and will be on the lookout should the opportunity present to get you a better one in the near future.
Always attentive, goes the extrra mile
Reply from Joe Spisak
May 8th, 2025 12:47 PM
I'm thrilled to hear that you found my service attentive and that I was able to go the extra mile for you. It was a pleasure working with you, and I'm delighted to have been part of your mortgage journey. Thank you for your kind words and for...
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Joe's energy and flexibility and personal ouch is much beyond that's expected of a lender. It shows how much he loves helping people. He made my journey very enjoyable!
Reply from Joe Spisak
May 3rd, 2025 03:15 PM
I'm thrilled to hear that you had such a positive experience with the mortgage process, Sundeepa. Your kind words about my energy and approach mean a lot to me. It was a pleasure helping you, and I'm glad I could make your journey enjoyable....
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Joe and his team were amazing to work with. They were by my side and keeping me updated throughout the entire home buying process . Highly recommend working with this team.
Reply from Joe Spisak
April 25th, 2025 06:02 PM
Kevin-Thank you for the kind review. For our part, we enjoyed working with and for you. You know I'll be in touch, from time-to-time and especially should these rates move lower. Be well!
I had a bit of a chaotic situation where I had to pivot from a previous condo deal -- I appreciate Joe and Kayla's patience when we ran into some roadblocks and I appreciate how they were able to move so quickly when things were finally in...
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Reply from Owner
May 29th, 2025 03:11 PM
Angela-You're most welcome. Thank you for trusting us and giving us the space to do what we do for you. :0) I look forward to working with and for you again should these rates drop as they are expected to.
I had a bit of a chaotic situation where I had to pivot from a previous condo deal -- I appreciate Joe and Kayla's patience when we ran into some roadblocks and I appreciate how they were able to move so quickly when things were finally in...
read more
Reply from Joe Spisak
April 22nd, 2025 03:23 PM
I'm delighted to hear that we could assist you through your challenging situation and help secure your new condo. It was a pleasure working with you, and I appreciate your kind words about our team's patience and expertise. Thank you for choosing...
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I had a bit of a chaotic situation where I had to pivot from a previous condo deal -- I appreciate Joe and Kayla's patience when we ran into some roadblocks and I appreciate how they were able to move so quickly when things were finally in...
read more
Reply from Owner
July 22nd, 2025 12:00 AM
Angela-You're most welcome. Thank you for trusting us and giving us the space to do what we do for you. :0) I look forward to working with and for you again should these rates drop as they are expected to.
Great team to work with and very efficient .
Reply from Joe Spisak
April 10th, 2025 12:06 AM
Damien-You and Rachel were great to work with. Thank you for choosing to work with me and my team. We are very happy with your results and will be in touch, especially should rates move substantially lower. Feel free to call me anytime.
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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