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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
Worked with several times now and would highly recommend. Their attention to detail and turn around times are amazing! Thank you again Joe & the rest of your team!
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Corey! 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.
Joe was referred to me by a friend and I can honestly say that I would refer him to any and everyone else! He listens to what you want. He was quick, straightforward, and worked his magic to get me the best possible deal out there and I couldn't...
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Reply from Owner
February 26th, 2021 12:00 AM
Thank you for this glowing review, Brooke! We're ecstatic you had such a wonderful experience with Joe! We look forward to working with you again in the future should you have any purchase or refinance needs. Thanks again.
Joe and Kayla of Team Spisak at Waterstone were very knowledgeable and helpful throughout the entire refinancing experience. They explain every detail so you understand all the costs and steps involved. This was our second experience and we...
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Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Brent! The team and I were thrilled we were able to provide you with a positive refinancing experience. We look forward to working with you again when the time to refinance or buy a new home is right. Keep in touch....
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Mr. Spisak and his team was very thorough, we were given information on the options we would have for our property refinancing. when we had questions pertaining to the refi process and financing/payments they responded in a timely manner, and...
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Reply from Owner
March 3rd, 2021 12:00 AM
Thank you so much for sharing your experience so others can benefit from working with me and my team. Thank you for providing us the opportunity to be of help to you.
Joe and his team are always there to answer your questions no matter how rudimentary they are. Joe recognizes that home purchasers are novices because we do not do this very often and is willing to explain everything to the nth degree. I would...
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Reply from Owner
February 9th, 2021 12:00 AM
Thank you for this generous review. I know construction loan financing, and it's subsequent process, can be daunting but you trusted me and my team to do right by you and we were honored to be of help to you and yours.
I was referred to Joe by my real estate agent/close friend when shopping around for a lender for an FHA loan on my first investment property. I am so glad I took the opportunity to work with Joe and Team (Team Spisak). Joe and Kayla are knowledgeable,...
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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.
I was referred to Joe by my real estate agent/close friend when shopping around for a lender for an FHA loan on my first investment property. I am so glad I took the opportunity to work with Joe and Team (Team Spisak). Joe and Kayla are knowledgeable,...
read more
Reply from Owner
January 22nd, 2026 12:00 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.
Joe and his team has good response time and they maintain the accuracy and transparency...
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Aruni! 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.
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Saloni M
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for the 5-star rating, Saloni. Don’t be a stranger.
I was referred to Joe by my real estate agent/close friend when shopping around for a lender for an FHA loan on my first investment property. I am so glad I took the opportunity to work with Joe and Team (Team Spisak). Joe and Kayla are knowledgeable,...
read more
Reply from Owner
February 8th, 2021 12:00 AM
This review right here is why we do what we do for our clients and their customers. Making people happy as a result of their experience makes the hard work so worthwhile. Thank you for such a kind review. My team and I look forward to working...
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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