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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
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Olivia M
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for the 5-star rating, Olivia. Don't be a stranger.
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Suli O
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for the 5-star rating, Suli.
My husband and I are glad that we decided to move forward with Joe and his team. They kept us up to date every single step of the way. Not only were they helpful, but they were kind and really took the time to make sure we understood the process....
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Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Paola! 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.
Joe made my whole process very easy from start to finish. He helped me out alot.
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your kind review, Christine! Treating my borrowers with the highest level of respect is my number one goal. It was my pleasure to serve you.
Joe Amato was amazing, he made the process to buy a home painless. Very knowledgeable and on top of things. Would’ve asked for any one better. If you’re looking to buy a home Joe is your guy.
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for taking the time to write this review, Joel! A fast and easy homebuying is not possible without the help of a knowledgeable, professional loan originator. I appreciate your feedback and hope you'll return to me and Waterstone Mortgage...
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Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Chris L
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for the 5-star rating, Chris. Stay in touch.
Joe Amato and his team at Waterstone Mortgage are seasoned professionals. They handled every aspect of our mortgage, from the approval to closing, with care and are a pleasure to work with.
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Anthony! The team and I were thrilled we were able to provide you with a positive mortgage 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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Joe and Kayla are so incredibly helpful. Joe really takes his time with you and breaks the process down and makes it less overwhelming. He is there every step of the way, makes sure you are updated with any changes, and makes sure it’s a smooth...
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Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Katie! 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.
Purchased my first home with ease and comfort definitely would recommend!
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for this review, Gina! I pride myself on providing my borrowers - whether it's their first home purchase or their 10th - with exceptional service and am happy to hear I met your expectations. I look forward to working with you again...
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Best mortgage experience I have had ever had. Thank you Joe, Heather and Kayla you guys made this so much easier than I have had in the past and always where easy to contact and stay in touch with, Communication was amazing above anyone else...
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Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Ben! The team and I were thrilled we were able to provide you with a positive mortgage 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