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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 Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Amber S
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for the 5-star rating, Amber. Don't be a stranger.
It is a great mortgage company.Joe and Kayla are very helpful. I highly recommended.
Reply from Team Spisak at Waterstone Mortgage ...
April 27th, 2022 04:44 PM
Thank you for your recommendation, Liliya! 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.
Joseph A Spisak and the Waterstone Mortgage Corporation team helped me a lot during my time when purchasing a home. They guided me step through step, and now today I have purchased my very own home.
Reply from Owner
April 20th, 2022 12:00 AM
Thank you for trusting me and my team to be of help to you. We were so happy to be of help to you. Please stay in touch and know we will too.
I really enjoyed working with Kayla and Joe. They looked into different loan programs that I could qualify for as a first time home buyer, which was a huge help. Joe was also helpful in talking through some of the different kinds of mortgages...
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Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Jessica! 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 and Kayla are the dream team, fantastic duo, power team. They were fantastic to work with. For every step of the way Joe provided advice, what I should do to prepare for a refinance and outlined what I can expect. For each step of the way...
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Reply from Owner
April 12th, 2022 12:00 AM
Thank you for this review! We know how many questions pop up throughout the refinance process, that's why communication from an experienced loan originator is key. It sounds like Joe and his team went above and beyond, providing answers to...
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Joe and his team at Waterstone Mortgage helped me out so much with my very first home buying experience. They guided me every step of the way and i really felt like i was being taken care of. If i could give a higher rating i would. Thank you...
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Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Matthew! 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 experience was exceptional. As a first time home buyer, Joe and his associates were helpful every step of the way. I would 100% recommend working with him!
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Brittany! 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 and Kayla are amazing to work with! Being a first time home buyer, they assisted me and answered all of my questions throughout the whole process!!
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for the 4-star rating, Shelby. It was great being of help to you. We look forward to staying in touch with you.
From start to finish the process was so easy with Joe and his team, they answered all my questions and explained everything. I am a first time home buyer and this process was so easy thanks to Joe!!
Reply from Owner
March 9th, 2022 12:00 AM
Thank you for the great review! We're very happy to have been of help to you not only with having a great experience but also with obtaining a much lower rate and costs than you were getting with the lender you were originally working with....
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Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Diego G
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for the 5-star rating, Diego.
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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