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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 Was unbelievably helpful in facilitating my understanding of the homebuying process. He is very knowledgeable and an expert! My questions and concerns were addressed quickly with patience and kindness and explained...
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Reply from Owner
January 8th, 2026 10:56 AM
Thank you for this review, Paz! 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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I am absolutely delighted with Joe Spisak and the entire team at Waterstone Mortgage! The have worked tirelessly to help me buy my first home; Exceptionally patient and responsive—Even at night & on the weekends…Spectacular.
Reply from Owner
October 28th, 2021 12:00 AM
Amanda-It was our pleasure to assist you and make your dream come true. Thank you for trusting me and my team to take good care of you.
Waterstone streamlined my refinance process from start to finish. They were very professional and friendly. Honestly felt like a had a friend working with me throughout the entire process. 10/10 would recommend and will be using them in the...
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Reply from Owner
October 26th, 2021 02:24 AM
Thank you for taking the time to write this review, Victor! A fast and easy refinance 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...
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Joe was great to work with. We are first time buyers and this process was daunting before connecting with Joe. He handled everything, was great at communicating, and the process was a breeze on our end! Thanks Joe!
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your kind review, Carly! Treating my borrowers with the highest level of respect is my number one goal. It was my pleasure to serve you.
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Paola A M
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for the 5-star rating, Paola! Stay in touch.
Joe and Kayla made the refinancing process smooth and easy for me! All the options were explained in great detail and they were there to answer my questions every step of the way. I would highly recommend the team to anyone!
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Monique! The team and I were thrilled we were able to provide you with a positive refinancing 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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Karen Frye and Heather Kolff made an excellent team and I'm really happy they were able to assist me with my refi needs! Thanks Ladies!
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Roxi! The team and I were thrilled we were able to provide you with a positive refinancing 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 at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Cory F
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for the 5-star rating, Cory. Stay in touch.
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Dorothy C
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for the 5-star rating, Dorothy.
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Laura R
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for the 5-star rating, Laura. Don't be a stranger.
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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