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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
I truly had a great experience or as great of an experience you can have refinancing a mortgage. Joe was very helpful, knowledgeable and easy to work with. I appreciate everything he has done to make this a positive experience for me.
Reply from Owner
December 9th, 2020 12:00 AM
Thank you. We really cared that you had another great experience with us and we were very happy to help you save a lot of money without having to pay much for it.
Joe and his team over at Waterstone Mortgage are top notch! They kept me and my realtor well informed every step of the way! If you need a good mortgage company they will get you the best rate in the best service hands-down.
Reply from Owner
January 8th, 2026 10:56 AM
We're thrilled to hear about your positive experience with Joe Spisak at Waterstone Mortgage! Thank you for sharing your feedback.
Joe and his team helped us with our refinance. The whole process was smooth. He takes time to go over all the steps and is very professional. Highly recommend his service.
Reply from Owner
December 9th, 2020 12:00 AM
Thank you. Just doing what we do! :0)
team spisak helped me and educated me in purchasing my first home. What I like about their team is that they were honest and the whole processes and also gave me options in making major descisions during the home purchasing. Joe's team was...
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Reply from Owner
December 3rd, 2020 12:00 AM
Thank you for this review. We know how many questions pop up throughout the loan process – whether you're a first-time homebuyer or a seasoned homeowner – that's why communication is key. It sounds like Joe and his team went above and beyond,...
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Joe and Kayla were fantastic, all through the process. Timely, regular communication and status updates, provided a lot of information to make me comfortable with every line item , Joe ran several scenarios/ sensitivities to help me find the...
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Reply from Owner
November 20th, 2020 12:00 AM
Thank you for the kind words. It's true. I do look at my client's financing as if it were my own in an effort to keep it simple and treat others, like you, how I'd want to be treated. You were absolutely great to work with and my team and I...
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I have worked with Joe and Heather on several occasions in several transactions. I have always been pleased and found Joe to always go above and beyond when he is able. I would highly recommend Joe and Waterstone. 5 stars!
Everyone was so patient explaining every specific detail and I really felt like I was treated like a queen; highly recommend
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for this review! Your recommendations mean a lot to all of us here at Waterstone Mortgage.
Amazing team! Joe was super helpful and educational on the home loan process. Team Spisak took care of me and made my experience very delightful. Everything was straight forward and both Joe and Kayla were available for questions. We closed...
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Reply from Owner
November 16th, 2020 12:00 AM
Thank you for this review. We really appreciated the opportunity to make your first home purchase a positive one!
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Brian H
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Crystal H
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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