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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
Joe was super helpful every step of the way, always looking out for our best interest and really making the experience with him feel personal. Before we even met in person, Joe became our friend in helping us get our home, our ally. Joe and...
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Reply from Owner
October 22nd, 2019 12:00 AM
Kristine! Thank you for this review and for sharing your experience so others can benefit as well. You and your husband were great to work with as well!
Joe and his team were fantastic! Joe took the time to make sure I understood every part of the mortgage process. His assistant, Kayla is very organized and efficient. I would highly recommend Joe and his team to anyone looking for a mortgage!...
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Reply from Owner
October 21st, 2019 12:00 AM
Thank you! It was great working with you as well.
Team Spisak is highly recommended. They worked with me on refinancing my home with great pricing and competitive rates. They are professional, efficient and knowledgeable while assisting you with any questions or concerns throughout the entire...
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Reply from Owner
October 17th, 2019 12:00 AM
Thank you for this great review and for sharing your experience here for others to see and benefit from.
Joe and his team has provided absolutely great service throughout our home buying process. Being first time home buyers, it was an intimidating processs and finding a dependable and honest lender is hard. Joe not only provided us the best possible...
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Reply from Owner
October 7th, 2019 12:00 AM
Thank you so much for this kind review!
I highly recommend Joe Spisak who worked tirelessly to ensure that I got the best mortgage possible. Joe Spisak is quick and efficient and always makes himself accessible for questions and guidance along the journey to home ownership--doing...
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Reply from Owner
October 7th, 2019 12:00 AM
Thank you for taking the time out to write this review so others can become confident in our services like you have!
They were very patient and helpful. We got the job done. Everything went smoothly.
Reply from Owner
January 8th, 2026 10:56 AM
Thank you, Samten! We appreciate you sharing your feedback, and we hope to work with you again in the future.
When I was a realtor in Chicago in the 90's and my client needed to finance, I recommended Joe Spisak and his team. Perfect credit or tough to finance, Joe found a way to ensure my deal closed. I employed him on my personal deals as well, and...
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Reply from Owner
September 20th, 2019 12:00 AM
Thank you for this kind review and for being a client and customer for so many years. We were happy to be of great help to you with your move out of state. Have I really been in this business for this many years? lol.
I've been working with Joe and Kayla now for over a year. Being a first time buyer, they made it so easy for me throughout the whole process. They explained every single detail and were available to answer any questions or concerns I had. I...
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Reply from Owner
September 16th, 2019 12:00 AM
You are most welcome. Thank you for sharing your experience, Scott.
Mr. Joe has explained the process to me with the upmost and honest professionalism. I will recommend him to every person I know who is in need of financing. He always explained things very well. He will go over it & over it if you are having...
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Reply from Owner
July 25th, 2019 12:00 AM
That's great to hear, Ahmed! Having a loan originator who is knowledgable, professional, and a great communicator certainly helps the loan process to move along smoothly. We're glad you had a positive experience with Joe and his team!
Joe did such great work for me and my home buying process. As a first time homebuyer, I felt very overwhelmed by all there is to learn, but Joe answered any question I had promptly and gave very clear explanations. Team Spisak worked so quickly...
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Reply from Owner
July 22nd, 2019 12:00 AM
Sarah-Thank you for the kind words. You were so nice to work with and sent us the information we asked for quickly so we could get you the results you wanted. Thank you for your trust.
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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