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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
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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
Had a very smooth and pain free purchase transaction from WMC and their team. Everyone from the Loan Officer to Closing Dept. was very through and professional. I will continue to do business with Waterstone Mortgage Corp.
Karen F was by far the best I have ever worked with. If I had a question or needed something done, I could personally text her for an update or answer! Always professional and super efficient with everything from start to finish. Highly recommend!!...
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This was an amazing experience, I had horrible credit, a low downpayment and was forced to have to buy a new place, I did not see a solution but Waterstone did it! I have a new place without delay, due to Waterstone working the problem that...
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Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Joan! 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!
If you want an easy transaction, choose Waterstone. My situation was not ideal, stressful, and Joe and his staff at Waterstone make it seem so easy, effortless, and I can't believe I have a new place to live. All because of they took the time...
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Reply from Owner
April 16th, 2021 12:00 AM
Thank you for this kind review. My team and I were more than happy to listen to your concerns and to understand your unique situation. Thank you for trusting us to be of help to you. We look forward to speaking with you again soon.
We were first time home buyers, yet Joe and team made sure we knew every detail about the process. We were constantly emailing about random questions and every single one was answered right away or they would even call to make sure I understood...
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Reply from Owner
April 14th, 2021 12:00 AM
Thank you for this review, Mttmeyer! We know how many questions pop up throughout the homebuying process – whether you're a first-time homebuyer or a seasoned homeowner – that's why communication is key. It sounds like Joe and his team went...
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As first time homeowners, we had no idea what we were doing. Joe and Kayla were an amazing team!! I cannot recommend them enough. They answered every annoying question we had in an extremely timely manner, were willing to get everything done...
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Reply from Owner
April 14th, 2021 12:00 AM
Vmpistolarides, we appreciate you taking the time to write this review for Joe and his team. Having a mortgage lending team that communicates every step of the way certainly helps to bring clarity to the homebuying process. We hope you continue...
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Karen and her team were simply amazing! They worked around the clock to help me close on my dream home in 30 days!
Karen was recommended to me by my realtor because I was using the Heroes Home Advantage program. Karen was fantastic! She answered all our questions, even on the weekends or at odd hours, and made sure to regularly check in with us. She was...
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Joe Amato was on top of his game, he was professional, extremely knowledgeable and thorough with the closing and handled the paperwork quickly. I would highly recommend Joe Amato to anyone and will use Joe with Waterstone Mortgage again!
I have purchased a few homes through different lenders. Joe and Kayla, "Team Spisak" , were by far the best. Their communication and availability made the process very easy. I highly recommend!
Reply from Owner
April 3rd, 2021 12:00 AM
Thank you for sharing, David! We're thrilled to hear everything went so smoothly with your home buying with the help of Joe and his team. We hope to work with you again in the future.
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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