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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
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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
Awesome job!!! Helped out on every step of the home buying process. Team Spisak is highly recommended by me. Closing costs were much much lower than I expected. Team Spisak answered all my questions in a very timely and straightforward way,...
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Reply from Owner
August 14th, 2023 12:00 AM
Thank you for this review, Beatdavey! We know how many questions pop up throughout the homebuying process, that's why communication from an experienced loan originator is key. It sounds like Joe and his team went above and beyond, providing...
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I’ve never thought to find someone with lots of knowledge in the business. He also is more than willing to go the extra miles to make sure you understand all the process specially to those buying a house for the first time. Am so glad I was...
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Reply from Owner
July 11th, 2023 12:00 AM
We appreciate you taking the time to write this review, Sinara! We are happy to hear Joe turned your first homebuying experience around, with his professional demeanor and expertise. We hope you are enjoying your new home and look forward to...
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We were new to the home buying process and so lucky to be referred to Joe. He was extremely responsive, helpful, and supportive during such a major purchase, from first contact even past closing. Him and Kayla worked quickly to make sure we...
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Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Denise! The team and I were thrilled we were able to provide you with a positive homebuying experience and were able to aid in a smooth close. We look forward to working with you again when the time to refinance or...
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We were new to the home buying process and so lucky to be referred to Joe. He was extremely responsive, helpful, and supportive during such a major purchase, from first contact even past closing. Him and Kayla worked quickly to make sure we...
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Reply from Owner
January 22nd, 2026 12:00 AM
Thank you for your review, Denise! The team and I were thrilled we were able to provide you with a positive homebuying experience and were able to aid in a smooth close. We look forward to working with you again when the time to refinance or...
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Joe and his team were so great. They communicated often and walked me through the process from application to closing. Kayla was on it! She communicated with me regarding the documents needed and employment verification.
Reply from Owner
July 5th, 2023 12:00 AM
Thank you for the 5-star rating and review, Israel! We are glad that Joe and his team were able to help you close on time. We appreciate your recommendation and hope to work with you again, should you have any future homebuying or refinancing...
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Joe and Kayla provide astounding service. Any day of the week they provide promo service that goes above and beyond. They are an essential part of securing bids in a competitive market. Joe is always pleasure to speak with and truly passionate...
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Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Larry! 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.
They really know their stuff. Got me a great deal and very helpful when I missed understood things
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your kind review, David! Treating my borrowers with the highest level of respect is my number one goal. It was my pleasure to serve you.
They helped me even when things got difficult and I didn't understand things. They are really nice people who know their stuff. Thank you Joe.
Reply from Owner
June 22nd, 2023 12:00 AM
Thank you for this glowing review, David! We're ecstatic you had such a wonderful experience with Joe. We look forward to working with you again in the future should you have any purchase or refinance needs. Thanks again.
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Joanne B
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for the 5-star rating, Joanne.
Joe Spisak is a straight up honest guy. What sets Joe apart is that he genuinely cares about his cleints and he obviously enjoys being able to help people. He took my case on even though there was not all that much money in it for him compared...
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Reply from Owner
January 8th, 2026 10:55 AM
Michael, Thank you for such a kind review. My team and I do our best to make sure our people don't feel like numbers even though our business is all about numbers. We feel fortunate to have been able to be of help to you and yours and will...
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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