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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
I hired XAP Credit because Wells Fargo was reporting late payments on my credit reports from last year when we had an agreement that I would defer payment because of covid. Wells Fargo didn't charge me any late fees but reported 6 late payments...
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My experience working with Joe and team spisak was great, they were very nice and approachable. We used waterstone mortgage for a home purchase and as newbies we had many doubts that Joe made sure were answered. He also was available for any...
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Reply from Owner
March 3rd, 2022 12:00 AM
Thank you for the great comments and lovely review. My team and I were honored to be of help to you. Thank you for your service! We look forward to being of help to you in the future.
Joe was very accommodating, patient and accessible to my wife and I . He’s very pleasant to work with. He is kind, funny and straight forward. Joseph and Kayla were warm and welcoming . The processing with paperwork was very smooth especially...
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Reply from Owner
March 3rd, 2022 12:00 AM
It was my pleasure to be of help to you. Over a year of working together to get you into your home, (but who's counting!). All good things come to those who persevere! I am going to miss our meeting in person. Stay in touch. I will as well.
Joe and his team were terrific through the whole process. I'm a first time home buyer so had questions and was not sure how to navigate the process. Joe and Kayla were quick and thorough with responses and really made the whole process extremely...
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Reply from Owner
February 28th, 2022 12:00 AM
Thank you for this super review! We enjoyed working with and for you. We're happy you had such a good experience.
Joe Amato is awesome to work with. I went to Waterstone Mortgage to get a pre approval for a mortgage loan on my first home purchase.He was able to keep me up to date through the entire process and was free to answer any questions I had about...
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Thanks for keeping on track by getting all the many documents in place for closing. Your gentle nudges were incredibly helpful during such a busy season at my workplace, and letting me know which 'items' to take care of and when was the right...
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Reply from Owner
February 4th, 2022 12:00 AM
Thank you for such a nice review Ken. As you can attest we've already been answering questions for you after your closing. We enjoy helping. Please keep in touch.
Great experience working with Joe's team. He broke down the closing costs in easy to read documents and made recommendations on what was the best percentage down and why. I would recommend him for peace of mind.
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Andrew! The team and I were thrilled we were able to provide you with a positive experience and were able to aid in a smooth close. We look forward to working with you again when the time to refinance or buy a new...
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Joe and Kayla helped me buy my first home back in 2017. In December 2021 I reached out to Joseph A Spisak to help with Refinancing my home, I had been trying to refinance with three other companies and had no luck, when I reached out to Joe...
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Reply from Owner
January 14th, 2022 12:00 AM
Thank you for the kind words Jose! It's also good to mention that the other lenders were trying to stick you into an FHA loan even when you had enough equity to go with conventional loan financing where the mortgage insurance is now a thing...
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Joe and his team was amazing ,very supportive and patient throughout the whole process. The Quinns would highly recommend them for all your home buying needs!
Reply from Owner
January 3rd, 2022 12:00 AM
Thank you for this super nice review. We enjoyed working with and for you and look forward to also helping your friends you have already referred to us! :0)
Team Spisak at Waterstone- Libertyville, IL for the win! Joe and Kayla took great care of us during our very first home purchase. As a self-employed therapist, I thought the process would be much more complicated but the whole process truly...
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Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Olivia! 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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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