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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
Our experience with Joseph A Spisak and his team was outstanding. We got all the help and more that we needed, he was very clear about what we needed.
Reply from Owner
April 8th, 2020 12:00 AM
Thank you for this awesome review!
I would recommend Waterstone Mortgage to anyone who is looking for a reliable and communicative lender! I had the pleasure of working with Joe and Kayla during my first ever home purchase, which occurred during the height of the COVID-19 health...
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Reply from Owner
April 3rd, 2020 12:00 AM
Thank you for this kind review. You were great to work with in that you were detailed and took ownership of your home buying experience which allowed us to be who we are by taking great care of you.
When buying our first home, my husband and I started with Joe to try to figure out the whole process -- so of course when we were ready to upgrade, we went back to Joe and his team! This purchase was so different from our first time around,...
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Reply from Owner
February 25th, 2020 12:00 AM
Thank you for this glowing review. I was truly happy to be of great help to you. You made it easy as you came to me with issues before they became problems. Keep in touch and you know I will too!
Team Spisak went above and beyond to get us closed on our home. We were referred to them after a different lending company took over 2 months of stalling and were unable to close. Joe and Kayla had our loan closed in 15 days! We were kept informed...
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Reply from Owner
February 12th, 2020 12:00 AM
My team and I were happy to help you close on the home you loved after the prior lender left you in the dark since last November. Thank you for trusting us to help you not only obtain lower closing costs but more importantly get you into your...
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Joe is extremely knowledgeable, trustworthy and honest. If you have a mortgage question, a refinance question or are applying for a mortgage- I would suggest giving Joe a call. He'll have the answers.
Reply from Owner
January 24th, 2020 12:00 AM
Thank you for the vote of confidence and for sharing your thoughts, David! Much appreciated.
Joe Spisak and his team helped us refinance our home. They were FAST, professional, and made everything easy. Their website was very straightforward and made for very little paperwork. They were extremely response every step of the way; easily...
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Reply from Owner
November 26th, 2019 12:00 AM
Thank you so much for your great review. You were great to work with and for!
Joe and his team at Waterstone Mortgage make the home buying experience less stressful with continued support through every process. They explained everything and would immediately respond to any question or concern. They go above and beyond...
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Reply from Owner
January 8th, 2026 10:56 AM
Thank you for this review, Melissa. Having a supportive and communicative loan originator, makes the process so easy. We truly appreciate your review and recommendation. We hope to work with you again, please don't be a stranger!
Joe and Kayla were extremely helpful and I would recommend their services to everyone I know! They were patient, knowledgeable and always willing to help with any questions we had throughout the home buying process. We're first time buyers...
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Reply from Owner
November 13th, 2019 12:00 AM
Thank you, for this glowing review. Kayla and I are committed to ensuring all of our customers have an experience like you had. As you know we're also here for your questions post-closing. So do please stay in touch!
As a realtor, I have referred many of my clients to secure their home mortgages with Joe and his team. Every single time Team Spisak has proven that they are on top of their game by providing the right advices and leading each client to their...
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Reply from Owner
November 12th, 2019 12:00 AM
Thank you, very much, for this review. We thoroughly enjoy working with someone of your integrity. So you writing this, for others to benefit from, is very much appreciated. We love our Realtor referral partners as most become friends, like...
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Joe and Kayla are amazing. We use them for all our mortgage needs. I highly recommend them to all my friends and family. Our previous mortgage company had incorrectly reported late payments. They were able to help us get it fixed and removed...
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Reply from Owner
October 30th, 2019 12:00 AM
Thank you for sharing your experience so others may benefit. Also, thank you very much for your loyalty..it's appreciated and rewarded!
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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