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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
Joe and company got done what needed to to be done to make our closing happen in a timely manner.
I had an EXCELLENT experience with Joe Spisak and his team at Waterstone Mortgage. They were professional, experienced and extremely efficient. I was actually extremely pleased with them from the first phone call where i was immediately pre-qualified...
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Reply from Owner
March 25th, 2021 12:00 AM
Thank you for such a kind review. It's humbling to read reviews like this. My team and I develop relationships with our clients and customers and even thought the loan process isn't fun we do our best to try and alleviate any stress. Thank...
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Joe and team are great to work with - very responsive and good rate. Highly recommend.
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Karen! 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!
The whole team at Waterstone where very helpful throughout the whole process. I would recommend them to anyone who is applying for a mortgage.
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for this 5-star review Sharon! Here at Waterstone Mortgage, the customer always comes first, and providing excellent customer service is our top priority. Thanks again.
Great service and fast and friendly, loved working with Joe and the amazing rate we got, thanks you
I can't say enough about our experience with Waterstone. From the first time my wife and I met Joe Amato, we knew we were in very capable hands. As first time home buyers, Joe and Heather were in communication with us throughout the process....
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Working with Joe Amato was simple and easy and best of all Informative.i was clearing some Hurdles and Joe would keep me up to date with the information and when said hurdles cleared he also let me know.i was never in the dark of the progress...
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Karen explained any questions and was very helpful. Would definitely recommend her to anyone who needs a mortgage.
I would 100% recommend Joe to anyone. We had a very smooth process and he answered all of our questions. I also got some numbers from 2 "big box" banks and Joe's service and numbers were the best. I cannot imagine going through this process...
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Reply from Owner
March 16th, 2021 12:00 AM
Thank you for the great review and for sharing your experience so others may benefit by also choosing to work with me and my team.
Joe and his team are very responsive. Joe knows I am only able to review paperwork / emails during late evenings and weekends. His team was very supportive. They quickly responded to all of my requests. They also continued to keep me posted...
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Reply from Owner
March 16th, 2021 12:00 AM
Thank you for this review and for sharing how my team and I work to make sure your loan process doesn't feel too much like work for you.
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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