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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
The process was smooth and communication was clear and timely
Reply from Owner
May 29th, 2025 03:16 PM
Noah-Thank you for this review. It means a lot, coming from you. Thank you for trusting me and the team to look after your best interests even to the point of letting me connect you with an insurance agent who saved you over literally hundreds...
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The process was smooth and communication was clear and timely
Reply from Joe Spisak
April 10th, 2025 12:08 AM
Noah-It was great working with you and yours to help you with the purchase of your home. Thanks for trusting me to help you save money not only on your rate but also on the insurance piece too. Do stay in touch and I will too especially as...
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Joe and team were fantastic all around! As a first time buyer, it was important for me to truly understand each part and detail, and multiple times he took the time to sit and explain every little thing as best as possible for me. Phenomenal...
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Reply from Joe Spisak
April 2nd, 2025 07:10 PM
Chris and Megan! Thank you for trusting me and the team to do right by you. The loan we set up is going to free you up from longer term debt and was just a real feel good piece all the way around. I'm so very happy for you two. I'm also looking...
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The team was amazing and kept me informed throughout the whole process and answered any questions I had!
Reply from Joe Spisak
March 18th, 2025 12:24 AM
Lisa,It was great working with you and Roberto. Thank you for the trust you placed in me and my team. to provide you a predictably smooth home financing. As you know I'm just a phone call, text or email away from being of help to you. Reach...
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Joe and his team were excellent-they got my loan not only prequalified but underwritten under a very tight deadline to keep us on track for closing. Would highly recommend.
Reply from Owner
February 4th, 2025 12:00 AM
Kiana-Thank you for noticing the work we did on your behalf. You were great to work with. As promised, I'll stay in touch, especially should rates move lower.
We were first time home buyers and knew nothing of the home buying process. Joe and his team at Waterstone Mortgage made our experience so easy and clear to understand. Joe is a such a great guy! Answered all of our questions, no matter how...
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Reply from Owner
March 6th, 2025 05:31 PM
Thank you so much for your wonderful review, Dakota! I'm thrilled to read that my team, and I, were able to make your first home buying experience smooth and understandable. We care and wanted to make sure that all your questions were answered...
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We were first time home buyers and knew nothing of the home buying process. Joe and his team at Waterstone Mortgage made our experience so easy and clear to understand. Joe is a such a great guy! Answered all of our questions, no matter how...
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Reply from Owner
July 22nd, 2025 12:00 AM
Thank you so much for your wonderful review, Dakota! I'm thrilled to read that my team, and I, were able to make your first home buying experience smooth and understandable. We care and wanted to make sure that all your questions were answered...
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I cannot recommend Joe and Kayla enough if you are looking for a loan. My experience was nothing short of exceptional between the service provided and communication. I'm also self-employed and it is harder to get a loan. Joe explained the process...
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Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Vinh! The team and I were thrilled we were able to provide you with a positive loan experience and were able to aid in a smooth close. We look forward to working with you again when the time to refinance or buy a...
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I cannot recommend Joe and Kayla enough if you are looking for a loan. My experience was nothing short of exceptional between the service provided and communication. I'm also self-employed and it is harder to get a loan. Joe explained the process...
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Reply from Owner
January 22nd, 2026 12:00 AM
Thank you for your review, Vinh! The team and I were thrilled we were able to provide you with a positive loan experience and were able to aid in a smooth close. We look forward to working with you again when the time to refinance or buy a...
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Awesome people with great service. Always on top of things and do what's best for you
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your kind review, Braeden! Treating my borrowers with the highest level of respect is my number one goal. It was my pleasure to serve you.
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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