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
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Shawn M
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for the 5-star rating, Shawn. Don't be a stranger.
Joe and Kayla are great at what they do! We had a unique situation with our sale/purchase and they handled it flawlessly. They do all the digging up front to provide a solid pre approval which is very reassuring when putting offers in on a...
read more
Reply from Owner
October 7th, 2021 12:00 AM
Laura-Thank you for taking the time to share your experience so others can benefit. We're appreciative of you being so great to work with and for trusting us to make sure you had a great experience.
Joe and his team have been incredible throughout the loan process. Their knowledge and experience is outstanding and it was a very effortless process altogether. Loan processing is usually the hardest when buying a property but it was very...
read more
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Zahed! The team and I were thrilled we were able to provide you with a positive loan 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 and his team have been incredible throughout the loan process. Their knowledge and experience is outstanding and it was a very effortless process altogether. Loan processing is usually the hardest when buying a property but it was very...
read more
Reply from Owner
September 28th, 2021 12:00 AM
Zahed-Thank you so much for this kind review. You were great to work with as well. I appreciate you noticing the difference between us and your past experiences and for taking the time to pay it forward by making others aware via your review....
read more
Joe and his team are great, he answered all of our questions in detail, professionally and well communicated with us. Thank you waterstone Mortgage Corporation for being reliable, consistent and for making sure we got the best out of our journey....
read more
Reply from Owner
September 26th, 2021 12:00 AM
Thank you for taking the time to write this review, WilMelendez! Providing excellent customer service, throughout the process, is always our top priority. We're glad you received nothing but the best from Joe and his team.
I was always in the loop and up to date. Great communication , awesome team !!!!!!
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Melody! 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.
I shopped around and finalized my refi with Joe & Team from Waterstone Mortgage. They are the best! At the end, not only was their rate and closing cost the lowest, but their customer service is above and beyond. I like to ask a lot of questions...
read more
Reply from Owner
September 17th, 2021 12:00 AM
Thank you for this great review which really lets others know the difference between us and most other lenders. Great pricing without sacrificing great service. We appreciated the opportunity and look forward to being of service to you in the...
read more
It is people like Joe Spizak that made my wife and I choose Waterstone Mortgage again: honest, trustworthy and intelligent in his domain. We are repeat customers due to the exceptional service Joe and Kayla provided.Joe will answer all your...
read more
Reply from Owner
January 8th, 2026 10:57 AM
Thank you for your review, Nabeel! 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.
It is people like Joe Spizak that made my wife and I choose Waterstone Mortgage again: honest, trustworthy and intelligent in his domain. We are repeat customers due to the exceptional service Joe and Kayla provided.Joe will answer all your...
read more
Reply from Owner
January 22nd, 2026 12:00 AM
Thank you for your review, Nabeel! 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.
They have done three loans for me and are very helpful. Everything went very smooth. I got exactly what I wanted and no headaches.
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for the 5-star rating, Jyint.
271–280 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