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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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
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 22nd, 2026 12:00 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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Joe was very great to work with on our mortgage. Beyond getting us a good rate, he was always available to answer questions, which was very helpful since this was our first home purchase. He was responsive and very informed on market movements....
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Reply from Owner
March 7th, 2023 12:00 AM
Eric-Thank you for such kind words. My team and I were thankful for the opportunity to be of help to you and Maggie.
Joe and the team are amazing. They are very professional and detailed which I greatly appreciated. I have known Joe for over 5 years now and used him and his team for my financing needs. Every experience has been exceptional. Joe always puts...
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Reply from Owner
January 8th, 2026 10:55 AM
Ekene, Thank you for these kind words. I remember when we met up for coffee after your first home purchase. That conversation still puts a smile on my face. I'm happy for you and how things have developed for you and yours.My team and I are...
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Joe and the team are amazing. They are very professional and detailed which I greatly appreciated. I have known Joe for over 5 years now and used him and his team for my financing needs. Every experience has been exceptional. Joe always puts...
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Reply from Owner
January 22nd, 2026 12:00 AM
Ekene, Thank you for these kind words. I remember when we met up for coffee after your first home purchase. That conversation still puts a smile on my face. I'm happy for you and how things have developed for you and yours.My team and I are...
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Wow!! Where to start! As a first time home buyer I literally had NO idea how things worked! Bracken, my realtor, recommended him. I happily filled out a pre approval application, a year after Joe sent it to me! Joe and his team where phenomenal...
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Reply from Owner
January 12th, 2023 12:00 AM
Thank you, for this kind review, Bianca! I was more than happy to be there for you and help you through a process that can sometimes be stressful. In the end, it was all so very worth it, right?!Well, keep in touch with me and know you're always...
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Joe and his team are highly professional!!They are a team determined to making your home dreams come true, while making sure you are clear and understand each step of the process. In 3 weeks I closed on my new home due to their drive. I WOULD...
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Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Ptrainer! 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...
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Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Patty D
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for the 5-star rating, Patty. Don't be a stranger.
Working with Joe and his team was more then I could have asked for. The professionalism, the knowledge, the all around experience was EXCEPTIONAL! I was able to close on my property in almost half of the time expected. I would defiantly use...
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Reply from Owner
October 26th, 2022 12:00 AM
Thank you, very much, for this kind review. This makes me happy to know and now see that you had such a great experience with me and my team. As you know, we'll be staying in touch. I look forward to our next conversation.
Joe is very versed in his profession and made the entire process easy.His guidance and his advice helped me to make decisionsI will definitely work with joe on my next loan.
Reply from Owner
October 20th, 2022 12:00 AM
Thank you for the kind review and for noticing the care we took to make sure all went well for you and your home purchase. My team and I were happy to help both you and the seller complete this where all parties were happy.
Kayla and Joe helped us get a house loan. Waterstone's interest rates were competitive and the service was good
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Carl! The team and I were thrilled we were able to provide you with a positive home loan 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