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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
From the first phone call to the closing date, Joe and Kayla were knowledgeable, helpful and very quick to respond to questions. Very smooth and easy process for our refinance. Very fast closing timeline. We would recommend them to anyone without...
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Reply from Owner
January 22nd, 2021 12:00 AM
Thank you for this kind review. We hope you had the feeling of working with an old neighborhood friend as we aim to make the process friendly, informative and efficient.
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Alex L
This is my third mortgage with Team Spisak. Always the best rates and the best, easiest experience. Joe and Kayla make a great team and looking forward to the next one!
Joe has an innate ability to break things down and explain the process that is unmatched. He is very personable, kind and compassionate. Always available to answer a question or concern. Highly recommend Joe and his team of absolute professionals!!...
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Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Andres! 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 shopped a few lenders and they all said it would be a few more months before I can qualify for a refinance. Joe was the only one who put in the work to see if he can find a way to make it work for me. And he did! And his rate was very competitive....
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Reply from Owner
January 5th, 2021 12:00 AM
Thank you for such a nice review. The true test of a lender, in my estimation, is in giving the effort to help someone even when it's not always easy. There's usually a way to get things done and I have to give you credit for hearing me out...
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Great service! Joe and his team helped us when we purchased our house and we just finished our refinance with them with great experience and very smooth procedure. Thank you so much Joe!
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Lojana! The team and I were thrilled we were able to provide you with a positive refinancing and homebuying experience. We look forward to working with you again when the time is right. Keep in touch.
Joe and his team were a pleasure to work with!
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Mikiel! 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 first time buying a starter home with the help of Joe and his amazing team has been wonderful. Joe specifically was very supportive from the start to the finish and the little jokes he makes made the entire process an easy one for me all...
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Reply from Owner
January 5th, 2021 12:00 AM
Thank you for enjoying my humor. I'm happy to do all I can to lower the stress and keep things moving in the right direction for you and all my customers.
Joe and Kayla were very professional and easy to work with. They helped me better understand my options and helped me work through the one the best fit my situation. Also there’s very quick to answer any questions along the way. This is my...
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Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Art! 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!
Excellent customer service, thorough and easy communication, very fair pricing, and great experience managing financing and re-financing needs. We've used Team Spisak several times now as mortgage rates have continued to drop, and the entire...
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Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Laura. 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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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