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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
Joe Spisak and his team deliver outstanding service and will find you the best rates. The best mortgage broker I have ever worked with.
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for your review, Suzanna! We look forward to working with you again in the future. Keep in touch!
The Spisak team at Waterstone Mortgage did a great job helping us through our most recent refinance. We have been with Joe for a while (I think two buys and a refinance) and always feel like we have an "industry insider" on our side. We shopped...
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Reply from Owner
October 8th, 2020 12:00 AM
Thank you so much for the awesome review. I didn't even know a loyal client relationship for many years would have even shopped loan on me/us. LOL. So I guess it really is true that our pricing is awesome and we're on top of it for our clients....
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Exceptional customer service and communication from Joe and his team at Waterstone Mortgage throughout our entire loan process from application to closing. Highly recommended!!!!
Reply from Owner
January 8th, 2026 10:56 AM
Thank you for the review, Mark! Joe is an exceptional loan originator, from his communication skills to his knowledge on the loan process – he is an all-around loan-originating rock star! We hope you will continue to work with Joe for all of...
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From our first conversation to our home closing, the personal customer service we received from Joe and his team was nothing short of exceptional! Their attention to detail made the entire process seamless. We highly recommend Waterstone Mortgage...
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Reply from Owner
October 6th, 2020 12:00 AM
Thank you for the awesome review. We care that all clients have the same type of experience you did. Stay in touch and we will too.
Joe Spisak and his team were very helpful throughout our refinancing process. They answered any questions we had clearly and in a timely manner. They made the process easy and everything went very smoothly.
Reply from Owner
October 5th, 2020 12:00 AM
Thank you for this kind review. You were also great to work with and made it easy for us to be of help to you.
I worked with Joe and his team last year when I bought my place and when I saw interest rates drop earlier this year, he was my go-to guy to refinance. His staff is organized and he does a great job of explaining things, sometimes more than...
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Reply from Owner
October 5th, 2020 12:00 AM
Thank you for being such a loyal customer and for the great review!
We worked with Joe on our first home purchase and have used him for a couple refinances since then. Joe is very knowledgeable and explains everything so clearly. Kayla also did an amazing job keeping us informed and moving things forward. The...
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Reply from Owner
October 2nd, 2020 12:00 AM
Thank you so much for the great review as this is helpful to others looking to buy or refinance when choosing a lender, like me, to work with.
Joe Spisak is a true professional. Recently closed on my third property using Joe and his team. They were able to provide an extremely competitive rate and work the application through approval process for a clear to close in less than a month....
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Reply from Owner
September 23rd, 2020 12:00 AM
Thank you for this kind review. It's always good working with and for you.
Joe was excellent at keeping us informed of the process. He called to make sure we understood everything, and he was very friendly and explained everything to us in a language we could understand. He made the whole process go very smoothly....
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Reply from Owner
September 23rd, 2020 12:00 AM
Thank you for trusting us to do right by you when it came to your purchasing and refinancing. We know you had options and were grateful you chose me and my team.
Joe and his team were extremely helpful with the entire re-finance process. Since this was my first time re-financing, I had a lot of questions but they had answers to all of them. They made me feel comfortable with my decisions. I highly recommend...
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Reply from Owner
September 23rd, 2020 12:00 AM
Thank you for sharing your experience. We truly care to provide clear answers in a way that's easy to understand. We wanted you, like all of our customers, to be able to make a comfortable and informed decision.
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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