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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
Team was knowledgeable, accessible, accommodating, and went above and beyond. Thank you Joe and Kayla for all your assistance!
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Kelly! 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.
I have bought two homes now with the help of Joe's team. Team Spisak is extremely hard working, and has made the process really straightforward and easy to understand. They are very clear and concise from start to finish, diligent, and are...
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Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Sarah! 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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My agent recommended Joe and his team when I started my home buying process. She spoke great things about Joe. Joe was so patient during the entire process. He was always available to answer all my questions and to break down numbers when I...
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Reply from Owner
October 28th, 2024 12:00 AM
We're elated to hear about your positive experience with Joe and his team. Thank you for sharing your feedback!
Mr Joseph and Mrs Kayla are so incredibly outstanding helpful! Especially Kayla is very quick response my emails and she is a very friendly and trust. And awesome works !
Reply from Owner
August 9th, 2022 12:00 AM
Thank you for taking the time to write this review, Hung! Providing excellent customer service, throughout the process, is always our top priority. We're glad you received nothing but the best from Joseph and his team.
Joe Spisak is great , he explains the banking terminology in a simple way. Easy to understand and take decisions.
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your kind review, Amju! Treating my borrowers with the highest level of respect is my number one goal. It was my pleasure to serve you.
What can’t we say about this team?! As second-time home buyers, Joe and Kayla make this purchase much easier than the last. Not only do they educate through every step of the process, but they work on your behalf to gain the BEST deal! This...
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Reply from Owner
July 8th, 2022 12:00 AM
Thank you for this wonderful review, Arianna! We're glad your homebuying experience with Joe and Waterstone Mortgage went so smoothly. We pride ourselves on providing our repeat borrowers with exceptional service and it sounds like you received...
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Joe and Kayla made the home buying process a breeze. They are quick, efficient and pleasure to work with. Team Spisak is the best! Highly recommend!
Reply from Owner
June 28th, 2022 12:00 AM
Thank you so much for this kind review and for sharing your experience with our team. We're so glad things worked out for you and look forward to being of help to you and those you refer to us.
This is our 2nd time working with Joe & Kayla team and getting a mortgage loan from them . Everything was so smooth , easy process and fast process. They explain everything to you via email and you just have to follow their emails and everything...
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Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Karma! The team and I were thrilled we were able to provide you with a positive mortgage 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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Our real estate agent recommended Joe and Kayla and it was such a pleasure working with them. I couldn't recommend them enough! We were 1st time home buyers and Joe made sure to make us feel comfortable with our purchase and tried to make the...
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Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Pat! 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.
Our real estate agent recommended Joe and Kayla and it was such a pleasure working with them. I couldn't recommend them enough! We were 1st time home buyers and Joe made sure to make us feel comfortable with our purchase and tried to make the...
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Reply from Owner
January 22nd, 2026 12:00 AM
Thank you for your review, Pat! 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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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