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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
Worked with Joe on my first home purchase. Made the entire process so smooth and easy to understand. Joe was always easy to get a hold of and always checked in to make me aware of the next steps/what to expect. If you're reading this review...
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Reply from Owner
January 8th, 2026 10:56 AM
Thank you for this review, Eric! 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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Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Josef W
Reply from Owner
January 8th, 2026 10:57 AM
Thank you for the 5-star rating, Josef. Stay in touch.
I had a very short timeframe to buy my property and to move to a different state. Joe and his team had their eyes on the ball at all times. Joe and Kayla always answered my calls and emails, and provided explanations when I had questions. Joe...
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Reply from Owner
July 24th, 2021 12:00 AM
Thank you for the 5-star rating and review, Mitzi! We are glad that Joe and his team were able to help you close on time. We appreciate your recommendation and hope to work with you again, should you have any future homebuying or refinancing...
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This was my third purchase using Joe & Kayla, and reaffirmed why I continue to utilize their team for all my mortgage needs. The process couldn’t have gone more smoothly, and their proactive communication with the listing agent during the negotiation...
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Reply from Owner
July 15th, 2021 12:00 AM
Zach-Thank you so much for the glowing review. It's always great to work with and for you and yours. We're honored and thankful for your continued trust and patronage.
Joe and Kayla were amazing to work with! They were very responsive and accommodating to any questions I had. With this being the first time I went through the home buying process I felt they were very patient and had my best interest in mind....
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Reply from Owner
July 8th, 2021 12:00 AM
Thank you for the kind words, Jacky. We were happy to be patient and wanted to make sure you were comfortable with your options. I am so glad you enjoyed working with us too.
Being a first-time homebuyer can be daunting, and I am so glad my husband and I chose to work with Waterstone. Joe and Kayla were both extremely helpful in guiding us throughout this process, and Joe always gave me a thorough rundown of what...
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Reply from Owner
July 8th, 2021 12:00 AM
Thank you for the great review. It was our honor to be of help to you. My team and I look forward to hearing from you in the future. We'll also stay in touch.
Team Spisak were great in breaking it all down for a first time income property hunter. Working with them on my FHA 203K was a breeze, I never once felt uncomfortable with asking any questions throughout the process. Joe and Kayla were all...
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Reply from Owner
July 1st, 2021 12:00 AM
Thank you for sharing your experience here. A 203k rehab loan can become complicated due to the many moving parts, but we were happy to be super communicative to make sure there were no surprises and everything worked out to your best benefit....
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Joe did a great job with my loan and he is an awesome person to work with. It went very smooth.
Joe and Kayla are friendly, helpful and professional. We were offered great financing rates, great customer service and always there to talk or needed something. We felt important from start to finish. I will gladly recommend Team Spisak t...
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Reply from Owner
July 1st, 2021 12:00 AM
Thank you for taking the time to write this review, Kim! 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.
We worked with Joe Amato at Waterstone Mortgage. We are expecting our first baby in a few months. He made the process so easy and smooth for us. He was very easy to contact and quick to respond. We are now in our dream home and waiting for...
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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