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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 and team are excellent! they are fast and responsive and willing to simplify the process and guide you along the way.I had a very good experience with them and they are highly recommended.
Reply from Owner
July 19th, 2019 12:00 AM
Thank you for this great review, James. You were great to work with as well. Keep in touch as it's always great speaking with you. Please remember to spread the word about us to your friends, family and fellow associates!
Joe was amazing! He really took the time to get to know me and found the best out there for me. Joe and his team worked day and night to make sure they were getting not only the best deal but also making sure everything got approved in the...
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Reply from Owner
June 24th, 2019 12:00 AM
You were awesome to work with as well. Kayla, (Thank you Kayla!), and you worked like a well-oiled machine for getting some complicated documentation together in record time. I am excited to see how you enjoy your new home. Housewarming party...
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Joe and Kayla made the entire process and experience of obtaining our mortgage as painless as we could ever have hoped for. Special shout out to Kayla who kept me calm and grounded and made it feel as if I was working with an old friend. Joe...
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Reply from Owner
January 8th, 2026 10:56 AM
Thank you for this great review, Michelle. Accessibility and communication are two key factors when going through the loan process. We're glad Kayla kept your stress at bay - she definitely has that calming effect on our clients! We are so...
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This is the third home I have purchased with Joe. He and his team provide outstanding service, responsiveness and communication. The realtors I have worked with on each purchase have commented how impressed they are with his team as well. I...
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Reply from Owner
June 19th, 2019 12:00 AM
Thank you SO MUCH! Your being loyal means the world to us. Please expect to us to be in touch once rates move lower. We wish you the best on your journey!
Joe and Kayla are great. They are very good at communicating. They are very responsive and always give you multiple options. When we hit a road block on our home ownership quest. Joe was able to figure out a way to mKe it work.He explains the...
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Reply from Owner
June 13th, 2019 12:00 AM
Pragnesh-Thank you so much for the kind review. As you've attested-It's easy to look good when things go smoothly but the magic happens in how we handle things for our clients when problems are presented. Thank you for noticing. I look forward...
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Joe & Kayla did such a great job with the purchase of my first home in Chicago that, when the time came to upgrade and relocate to Wisconsin, I knew there was no one else who I could trust more to help get me into a new home on the specific...
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Reply from Owner
April 26th, 2019 12:00 AM
Thank you so much for this review! However, you left our one important fact...you were great to work with and fully engaged which helped us be effective for you. Thank you for being a loyal client. It's never taken for granted and sure is appreciated....
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We had a great experience working with Joe and Kayla. They are a great team. Joe sat down with my husband and I before we decided to purchase a home. He is very knowledgeable and is welling to go above and beyond for his clients. They made...
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Reply from Owner
April 23rd, 2019 12:00 AM
Thank you so much for sharing your thoughts so other people may benefit from working with me and my team. You were great to work with. Thank you for being our customers.
Joe and Kayla were both very helpful and knowledgeable. Joe took the time to walk us through any and all aspects of the home loan and home purchasing process. He was always available to chat and answer all questions and offer his advice whenever...
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Reply from Owner
April 23rd, 2019 12:00 AM
Thank you so much for this awesome review. I'm appreciative of you taking the time to share your thoughts so others can benefit from your experience with me and my team.
Best experience ever!!! Hands down a 5-Star team.
Reply from Owner
January 8th, 2026 10:57 AM
Thank you so much for this 5-star rating and review! We truly appreciate it!
I am a return customer for a reason. Joe and his team are outstanding. They are in constant communication, answer questions immediately, and seem to really care about their clients. When there was a hiccup during the closing (title company...
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Reply from Owner
April 2nd, 2019 12:00 AM
Thank you so much for this review and for being a returning customer! Providing our customers with the best service possible, is a top priority for us, here at Waterstone. It's no surprise with the service you receive, from Joe and his team,...
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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