Top 5%
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
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
This is the 2nd time we used Joe's and team services when we purchased our house and now refinancing. Joe and his team are friendly, trustworthy, efficient, informative, and extremely helpful. They got us the best deals and rates possible for...
read more
Reply from Owner
December 6th, 2021 12:00 AM
James-Thank you so much for the glowing review. We appreciate your loyalty. Thank you for taking the time to share your review so others can benefit.
It's been awhile since I refinanced! But any question I had was always responded to literally... Within minutes.Joe never left me hanging and always followed up with me. One cold rainy night he was headed north and met me closer to my house...
read more
Reply from Owner
December 6th, 2021 12:00 AM
Thank you for taking the time to share your experience and for the details as to how we go above and beyond. That JD power "award" winning, (paid for award), lender who's all over the TV advertising was charging you more for what would have...
read more
Joe and his team were great. We are first time home buyers and they walked us through the entire process. They made everything as easy & seamless as they possibly could. Our real estate agent even commented on how smooth the process was with...
read more
Reply from Owner
December 2nd, 2021 12:00 AM
Thank you for the kind review and for sharing how we made sure all your questions were answered and how smooth everything went. I know there were some unique circumstances but we were happy to be able to ensure things went well for you.
Excellent customer service and patience!!! Joe taught me more about the VA home loan than any of the home loan representatives at the regular banks. Joe and his team fully catered to my loan needs and were willing to help even during the off...
read more
Reply from Owner
December 1st, 2021 12:00 AM
Thank you for this awesome review. Many lenders say they care about our veterans and service members but when it comes to costs and rate this proves to not be true. Thank you for noticing the difference and for trusting me and my team to do...
read more
Joe and his team are a amazing group of people they help me and my family achieve our dream of buying our first house. During the loan process Joe and his team were extremely hopeful in answering any questions we had and We never had to wait...
read more
Reply from Owner
November 19th, 2021 12:00 AM
Nelson, Thank you for sharing your experience. It was great working with and for you. I look forward to our future conversations.
Very quick to respond to any concerns/questions we had. Thurough and informative. Made the process simple and quick. Thank you!
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your kind review Steven! Treating my borrowers with the highest level of respect is my number one goal. It was my pleasure to serve you.
I am so happy and thankful for Joe and Kaylas help. Everything we needed was provided. They were both very helpful and patient with us. We are completely satisfied and definitely recommend them.
Reply from Owner
November 9th, 2021 12:00 AM
Doris! It was our pleasure to be of help to you. Thank you for your review here and for spreading the word about us with friends & family. Always feel free in calling us with any questions.
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Dominique H
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for the 5-star rating, Dominique.
I had a excellent experience with Joe Spisak from Waterstone Mortgage. I had a few obstacles in my way. I wanted to give up several times... Joe never gave up! He fought for me! I thank God for Joe! I absolutely recommend Joe Spisak he made...
read more
Reply from Owner
November 5th, 2021 12:00 AM
Beverly-It was our pleasure to be able to help make your dream of owning your own home come true. Thank you for placing your trust in my team's hands. We were honored to be of help to you and yours. Oh, thank you for such a kind review. We...
read more
Where to begin! We've been looking to buy a home for awhile, and Joe has answered every question we've had along the way, and he's always been so kind and super helpful. I would highly recommend Joe and his team to anyone looking to buy a home!...
read more
Reply from Owner
November 4th, 2021 12:00 AM
Thank you for this review. I have to admit that when we saw the short time-frame we were given to get this special First Time Homebuyer loan into closing for you, I was a bit stressed! However, together, we made it happen. Thank you for trusting...
read more
251–260 of 613
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
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
Memberships
- NMLS
Year Started
2000
Time Zone
Central Standard Time (CST)
Licenses
- NMLS #197397
Awards
Hobbies
- Fishing
- Faith
- Hockey
View All
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