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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
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM(Open now)
Fri
9 AM to 5 PM
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Reviews from Web
Joe answered all my questions and was very helpful throughout the process. I could tell he had my best interests in mind and truly cares about helping other.
Reply from Joe Spisak
July 1st, 2026 04:14 PM
Brian-Thank you for taking the time to write this review and share your experience.
Joe was very responsive and patient with our questions . his work close with Kayla was seamless The reminders and requests were persistent but kind . 10/10 experience
Reply from Joe Spisak
June 27th, 2026 03:56 AM
Erika-Thank you for the kind review. It was great to work with you and OJ. I wish you both the best and look forward to our future interactions.
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Scott S
Reply from Owner
June 27th, 2026 03:57 AM
Thanks for the high marks, Scott!
Joe Spisak is the best! Hes easy to talk to and he explains everything is simple terms. He went out of his way to make everything easier for me. Id always recommend Joe to anyone looking for a mortgage thats for sure.
Reply from Joe Spisak
June 23rd, 2026 05:35 PM
Thank you for sharing your experience, Scott. It was good to work with and for you.
Joe and Kayla are an amzing team, the whole process was very smooth.
Reply from Joe Spisak
June 23rd, 2026 05:36 PM
Arek-Thank you for the kind words. Being a Realtor, this means a lot as you know many lenders and chose to work with me and my team. That meant a lot to us.
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Aaron
Reply from Owner
June 22nd, 2026 02:14 PM
Aaron, thank you for the excellent rating. I'm grateful for your support and pleased to have been part of your experience with Waterstone Mortgage.
Joe and his team did a great job. Very thorough and personable
Reply from Joe Spisak
June 22nd, 2026 06:12 PM
Aaron, thank you for your kind words. I'm glad to hear that you found our work thorough and personable. It was a pleasure working with you.
I can’t thank Joe S and the Waterstone Mortgage Team enough for the help and guidance they provided when I purchased a home recently. They walked me through the complete process politely and with patience answering every questions I had during...
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Reply from Joe Spisak
May 25th, 2026 06:33 PM
Hello Daniel-Thank you for taking the time to write this great review and for already sending someone our way!
Joe S. and Kayla at Waterstone Mortgage went above and beyond for my wife and I when we purchased our first home. They provided multiple options and helpful information that every first time buyer should know making this part of the process...
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Reply from Owner
May 27th, 2026 12:00 AM
Daniel-It was great working with you. Thank you for taking the time to share your experience, especially about the rate and costs being lower than all the other lenders you reached out to.
I was introduced to Joe and his team through my Realtor, Rachel. Hands down, would work with them all over again because I spoke with at least 2 other loan officers previously who told me "I can't help you" based on my financial circumstances....
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Reply from Owner
May 25th, 2026 12:00 AM
You are most welcome. I hope your husbands job search goes well and he lands a job in the near future! Always feel free to stay 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