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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
Joe Spisak, Kayla Marien and the team, namely Team Spisak are very thorough, meticulous from the incipient stages of whether you are getting a mortgage pre-approval for your first time home or an investment OR getting mortgage or refinancing...
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Reply from Owner
January 8th, 2026 10:56 AM
Thank you for taking the time to write this review, Saurin! Providing excellent customer service, throughout the loan process, is always my top priority. I am glad we were able to provide you with a positive loan experience! I look forward...
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I first dealt with Joe Amato for the purchase of my house and now with the refinance of my mortgage. Joe made both transactions a lot easier due to how helpful he was. If I sent him a message he responded almost immediately and if he didn’t...
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Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Julio A
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for the 5-star rating, Julio. Don’t be a stranger.
Joe Spisak and the team, namely Team Spisak are very thorough, meticulous from the incipient stages of whether you are getting a mortgage pre-approval for your first time home or an investment OR getting mortgage or refinancing for your property....
read more
Reply from Owner
October 28th, 2024 12:00 AM
We're utterly delighted to hear about your positive experience with Joe Spisak and Team Spisak at Waterstone Mortgage. Thank you for sharing your feedback!
Recommended by my financial advisor. Joe and his team are the best! Responsive and kind customer service, support along the way and willing to match or beat the competition on fees. I highly recommend Team Spisak. Look no further.
Reply from Owner
October 28th, 2024 12:00 AM
Your positive feedback is greatly appreciated! We are thrilled to hear about your experience with Joe Spisak and his team. Thank you for recommending Team Spisak!
Despite the COVID problems and lenders changing the rules I have finally closed.
Well done Karen
I was so impressed with Joe & his team in getting my client to closing. When things got “complicated”, Joe offered sound advice. I will definitely use them as my “go to” from now on!
Reply from Team Spisak at Waterstone Mortgage ...
October 28th, 2024 05:22 PM
We greatly appreciate your positive feedback and are thrilled to have been able to assist you. Thank you for choosing Joe Spisak at Waterstone Mortgage NMLS #197397!
Our Refi with Joe Amato at Waterstone Mortgage was straight forward, the fees and rates were very competitive, I would highly recommend Joe and his team.
While other loan originators like to drag their feet and work slow to approve your financing, working fast is the way Team Spisak likes to do it! This helps you get closed as soon as possible so you can move into your new property. Communication...
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Reply from Owner
December 9th, 2020 12:00 AM
Thank you for sharing your experience so others can benefit! It was great working with you and yes, we believe effective, caring communication is one way we demonstrate our appreciate to our customers. We look forward to communicating with...
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Excellent communication throughout the process. Everything went smoothly!
Reply from Owner
January 8th, 2026 10:56 AM
Your positive experience is greatly appreciated. Thank you for your feedback!
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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