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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 were so wonderful to work with! They were professional and patient and always quick to reply! I can whole heartedly say Joe and Kayla are the MVPs! Joe really went up to bat for us in order for us to win our home with a simple...
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Reply from Owner
June 16th, 2022 12:00 AM
Fernando! We were honored to have been help to you and yours throughout this process. You were great to work with. My team and I very pleased with how things turned out for you. We'll be sure to stay in touch.
Update to add:Second time around, same EXCELLENT experience! If you’re thinking about buying a home/property, Joe’s your guy. Even if you think you can’t do it right now, let his team make sure before you give up hope. That’s what someone told...
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Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Annabelle! 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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Joe Spisak & his team over at Waterstone Mortgage made my experience as a first-time home buyer SO GREAT, that I can't think of going to anyone else when I buy my next home. I am so glad I contacted him before giving into renting! I had no...
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Reply from Owner
June 14th, 2022 12:00 AM
Thank you for expressing your thoughts and feelings on this, Annabelle, so others like you can benefit from your experience. For the record, it was our pleasure to educate and be of help to you so you would have a great experience and also...
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Joe and Kayla at Waterstone Mortgage are fantastic. They are always a call or text away if you have a general concern, question, or just want to chat about your process.Both Joe and Kayla helped us through our process and explained everything...
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Reply from Owner
June 8th, 2022 12:00 AM
Thank you for sharing your experience so others may benefit. I'm appreciative of this. My team and I look forward to being of help to you in the future. Let's stay in touch.
I'm a first time home buyer. I met Joe early on through my realtor. Right away we hit it off. His personality and passion for helping his clients was very clear. He was educational, very helpful and extremely responsive. He and his team set...
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Reply from Owner
June 1st, 2022 12:00 AM
Thank you, Noel, for this kind review. We feel honored to have been of help to you and look forward to keeping in touch with you and hearing how great things go for you.
My husband and I have always trusted Joe and his team. Both Joe and Kayla were wonderful throughout the entire process of purchasing our new home. Everything was explained thoroughly, they provided excellent guidance, and we were always confidant...
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Reply from Owner
January 8th, 2026 10:55 AM
Thank you for the 5-star rating, Christina. Stay in touch.
My husband and I have always trusted Joe and his team. Both Joe and Kayla were wonderful throughout the entire process of purchasing our new home. Everything was explained thoroughly, they provided excellent guidance, and we were always confidant...
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Reply from Owner
January 22nd, 2026 12:00 AM
Thank you for the 5-star rating, Christina. Stay in touch.
Excellent service joe & team . Really recommended very fast service with good interest rate. It was Joe and the company did a fantastic job, it was quick, efficiency and very professional. I was very satisfied.
Reply from Owner
May 16th, 2022 12:00 AM
Thank you for the kind review and for trusting me and my team do deliver on the promises I made to you.
Working with Joe and his team was great! Joe answered every question that we had. He made it very easy for us by telling us exactly what he needed and had us at a great pace for closing. Kayla was also very helpful and responsive! Once closing...
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Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Jaquelin! 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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Working with Joe and his team was great! Joe answered every question that we had. He made it very easy for us by telling us exactly what he needed and had us at a great pace for closing. Kayla was also very helpful and responsive! Once closing...
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Reply from Owner
January 22nd, 2026 12:00 AM
Thank you for your review, Jaquelin! 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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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