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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
Fri
9 AM to 5 PM
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Reviews from Web
Team Spisak was first class! Great communication and very smooth process. The team was able to shorten the length of my loan and drop my monthly payments. HIGHLY recommend reaching out to him and his amazing team!
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Nicole! 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.
My realtor suggested working with Joe and his team. I am glad I did! As a first time homebuyer, Joe and his team made the process very easy and convenient as can be for me. I appreciate the professionalism and courtesy that Joe and his team...
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Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Tony! The team and I were thrilled we were able to provide you with a positive homebuying 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 worked directly with Joe and his support teammate Kayla. Joe was super helpful and even though this was a business transaction Joe seemed to really care about me, my questions and the quality of the work. Kayla was extremely responsive during...
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Reply from Owner
June 8th, 2021 12:00 AM
Thank you for sharing your experience and for noticing our dedication to you. We try to provide this to all of our customers and am glad you experienced the sincerity of our efforts.
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Melissa R
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for the 5-star rating, Melissa. Don't be a stranger.
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Mariama T
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for the 5-star rating, Mariama.
Karen was outstanding to work with. She was always available and responsive and made our dreams of moving closer to family come true.
A year ago we wanted to refinanced our home. At that moment it was not the best time due to interest rates. I called Joe Spisak again a year later, he said it was a perfect time now. Joe and his team do not lead you down the wrong path. Extremely...
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Reply from Owner
May 26th, 2021 12:00 AM
Thank you for sharing, Jewell! We're thrilled to hear everything went so smoothly with your refinance with the help of Joe and his team. We hope to work with you again in the future.
I cannot say enough good things about Joe and his team. They were quick, courteous, helpful, and knowledgeable. Everything went smoothly and I couldn't be happier. You need to be able to trust that your lender is in your corner and we immediately...
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Reply from Owner
May 13th, 2021 12:00 AM
Thank you for such a kind review. I almost feel we're not worth of such nice words. Your sentiment is what we strive for with our customers. We do care and are very happy you had a great experience. Call me anytime with any questions. It's...
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Worked with Joe Amato and team on my first home our purchase. They made the entire process so smooth and helped educate me along the way. Joe was always easy to get a hold, constantly checked in making me aware of next steps and made me feel...
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Reply from Owner
January 8th, 2026 10:56 AM
Thank you for this review, Bryan! We're so glad to hear your experience with Joe was a success. Don't hesitate to reach out with any future questions.
Joe at Waterstone Mortgage was a pleasure to work with. He made sure I knew everything about the process of refinancing and made it absolutely painless. The teams professionalism was outstanding. Definitely would use them again. It was a great...
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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