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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
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 21st, 2025 12:00 AM
Thank you for writing this very kind review, Mr Lu! We thoroughly enjoyed working with and for you. You were patient, listened to our recommendations and then acted on them. This enables me and my team to be of great service to you.
I have been working with Joe for > 20 years. He helped me with my most recent home purchase and mortgage (Aug 2024). Joe works harder than the rest, he understands the market, politics, and full home buying process AND he responds to all questions...
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Reply from Owner
January 8th, 2026 10:55 AM
Thank you for taking the time to write this review, Brian! A fast and easy homebuying is not possible without the help of a knowledgeable, professional loan originator. I appreciate your feedback and hope you'll return to me and Waterstone...
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Joe and his team are amazing and caring thank you so much for all the help and consistency and not giving up and getting me my building definitely recommended this team and I will b using thm again
Reply from Owner
December 2nd, 2024 12:00 AM
Hector- Thank you for writing this review. Know that it was our honor to be of assistance to you. I promised you, from the beginning of working together what you should expect from me and my team. Well, we made sure to deliver on that promise!...
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Joe is the best choice for a lender I could have had as a first time home buyer point blank, period and I will never work with anyone else but him for future real estate purchases. He is the best at what he does and has an amazing team (shoutout...
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Reply from Owner
November 27th, 2024 12:00 AM
Thank you for taking the time to write this review, Pharah! Providing excellent customer service, throughout the homebuying process, is always our top priority. We're glad you received nothing but the best from Joe and his team.
I have used Joe and his team at Waterstone twice and they always get it done right and find the best ways to make it happen. Will always use them in future.
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Matt! The team and I were thrilled we were able to provide you with a positive experience. We look forward to working with you again when the time to refinance or buy a new home is right. Keep in touch.
joe kayla & wence your triple threat got the job done quick looking for a home i recommend waterstone mortgage Keep up the good work
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Toon! The team and I were thrilled we were able to provide you with a positive homebuying experience. We look forward to working with you again when the time to refinance or buy a new home is right. Keep in touch....
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I worked with Waterston for 3 times and they are very professional and helpful. Thank you so much
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your kind review, Nima! Treating my borrowers with the highest level of respect is my number one goal. It was my pleasure to serve you.
Great service 👏
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your kind review, Leila! Treating my borrowers with the highest level of respect is my number one goal. It was my pleasure to serve you.
Working with Joe and Waterstone mortgage has been awesome they truly care and help you get what u need !
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your kind review, Hector! Treating my borrowers with the highest level of respect is my number one goal. It was my pleasure to serve you.
Joe and his team are the absolute best! I will never buy another investment property without Team Spisak.The process was smooth, the team has great communication and the online portal makes everything super simple.If you are purchasing a property...
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Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Shannon! The team and I were thrilled we were able to provide you with a positive experience. We look forward to working with you again when the time to refinance or buy a new home is right. Keep in touch.
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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