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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
Working with Joe and his team gave me peace of mind , their continuous support and spending the time to make things simple showed me the value of working with a professional team, It's really not fair for Joe to compare him with any other agent...
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Reply from Owner
February 4th, 2021 12:00 AM
Wow-thank you so much for this review. I really try to give advice that I would want myself or for my family to each and every client. Thank you for giving me and my team the opportunity to be of help to you.
My wife and I have use Joe for all our mortgages and refinances. He knows what he is doing and makes the process painless. He is the best!
This is the team to go with. They are really team players and I have learned a lot from Joe. He really knows what he is doing. After three times with much success each time and just getting better, I wouldn't work with another team.
Great team, it was indeed a wonderful experience to work with Joe Spisak team
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Thamer! 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 Amato was excellent !! Got it done in 5 weeks w a great rate !!
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Christopher M
Joe and Kayla went above, and beyond helping me to get the loan to the house, I wanted. I had a very short time to buy my home; however, they made all the efforts to make it happen.
Reply from Owner
January 30th, 2021 12:00 AM
Hello and thank you for taking the time to provide this kind review. I noticed you relayed that the interest rate was higher than expected. As mentioned before securing your rate for you, the state of Illinois' bond program prices their rates...
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Joe Amato was truly amazing very respectful and got everything in order for the process to be smooth. I am beyond thankful that he was the person we found to refinance our home. He is a genius in his job and has understanding & knowledge to...
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Fist time buyer, and it all went smoothly. Joe Amato is very knowledgeable and easy to work with. Kept constant communication with me.
Joseph has always explained things very well, made my first home buying experience a very pleasant one, he was prompt, professional, and courteous. Even when he was on vacation with his family he worked with me on my loan sometime texting me...
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Reply from Owner
January 22nd, 2021 12:00 AM
Thank you for noticing my level of commitment to my clients and customers and for sharing that our costs were lower than others you compared us with. Much appreciated!
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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