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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
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
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 22nd, 2026 12:00 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.
For the second time, Joe helped us with the purchase of our second property. As the first time, Joe was always available for any questions that arose with the purchasing process. He’s knowledgeable and makes working with him a great experience...
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Reply from Owner
September 4th, 2024 12:00 AM
Thank you, for this kind review. It was our pleasure to be of assistance, again and we were happy to make sure things didn't become overwhelming especially with all that you have going on. Also and as we spoke about, I'll certainly be in touch...
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Joe and his team are great they are helping with everything I highly recommend them thank you
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Hector! 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.
He helped me obtain my first home with minimal hassle. I'm still in disbelief. Not only is he knowledgeable but he operates with integrity, upfront information, and makes things happen. I asked upfront what i was seeking, he told me no problem...
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Reply from Owner
August 12th, 2024 12:00 AM
Thank you for sharing your experience, Jason. My team and I are very appreciative of your trust and wanted to make sure your first time buying a home was a positively informative one. Know that we'll be in touch, especially should rates move...
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Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Silvia B
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for the 5-star rating, Silvia.
I am extremely happy with Team Spisak’s. Joe was very very helpful through out the entire time we worked together. He was very pleasant, very detailed with everything I needed to get to be a home owner. As of July 22nd Joe and Kayla made it...
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Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review and recommendation, Shay! We are thrilled to hear about your positive experience working with Joe and Kayla.
I am extremely happy with Team Spisak’s. Joe was very very helpful through out the entire time we worked together. He was very pleasant, very detailed with everything I needed to get to be a home owner. As of July 22nd Joe and Kayla made it...
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Reply from Owner
January 22nd, 2026 12:00 AM
Thank you for your review and recommendation, Shay! We are thrilled to hear about your positive experience working with Joe and Kayla.
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Daniel G
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for the 5-star rating, Daniel. Stay in touch.
Joe and his team did a great job of ensuring I got the best rate and that the closing went smoothly.
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Arnie! The team and I were thrilled we were able to provide you with a positive 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 new...
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Helpful every step of the way! 10/10
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your kind review, Kendra! 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