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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(Open now)
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Reviews from Web
Joe Spisak team they were very professional and helpful.
Reply from Joe Spisak
March 12th, 2026 04:55 PM
Thank you, Yasir. It was great working with you and Kasim again.
Joe and his team are excellent to work with! They helped me close on a house under 30 days! Joe offered me a competitive rate and a no PMI option on top if it. I highly recommend Joe and his team!
Reply from Joe Spisak
March 4th, 2026 05:58 PM
Lydia-Thank you for this kind review. Given your background and other trying to push you to go with another lender, I'm so happy to chose to trust me and the team to do right by you in every way we could....which led to you getting a great...
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Joe and Kayla were transparent and persistent to ensure that we have all of the information required to make our decisions. We deeply appreciated their partnership throughout the process
Reply from Joe Spisak
February 24th, 2026 07:25 PM
Andres-It was great working with you. Thank you for your trust and know that you're always welcome to reach out with questions or just to say "Hi." Thanks for spreading the word about us.
Very nice thanks to Joe
Reply from Joe Spisak
February 24th, 2026 07:25 PM
Thank you for being our customer!
Great experience with my lender. The process was smooth, fast, and very clear. They explained everything and made buying a home stress-free. Highly recommend!
Reply from Owner
February 23rd, 2026 12:00 AM
Waheed-Thank you for this kind review and for sharing your experience so others can benefit. I look forward to us working together, again, soon.
Very friendly
Reply from Joe Spisak
February 14th, 2026 08:48 PM
Hello Adaline-Thank you for this review. You made it easy for my friendliness to be displayed. You trusted me, followed guidance and you even were able to work in the "digital world." 👊🏻 Thank you for allowing me and my team to be of help...
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Joe Spisak is the best lender you can dream of. He listen to you, take your needs into account and work everything to your best advantage.
Reply from Joe Spisak at Waterstone Mortgage N...
February 14th, 2026 04:46 PM
Thank you for sharing your experience, Kamilath. It was great to work with and be of help to you.
Joe and Kayla were absolutely amazing! This was not our first mortgage/home buying process, but It was by far the BEST experience ee had ever had. From our initial phone call with Joe to closing, we had all of our questions answered promptly...
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Reply from Joe Spisak
February 14th, 2026 02:33 AM
Stacie-Thank you for such a glowing review. I appreciate you taking the time to share your experience so others ,like you, can benefit. Also, you and Erik were great to work with!
Joe Spisak expained all the details of the transaction.
Joe, Thank you very much for your help.
Reply from Joe Spisak
February 4th, 2026 07:16 PM
Grazyna, I appreciate your kind words and am pleased that I could assist by explaining all the details of the transaction. Thank you for allowing me to help with your needs. If you have any more questions or future needs, I'm here to assist....
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Great experience from start to finish. They are efficient, knowledgeable, and made short work of a process that is usually very stressful. Everything fell into place perfectly.
Reply from Owner
December 22nd, 2025 12:15 AM
Jonathan-Thanks for the kind and detailed review. It was great working with you. Thank you for being efficient to work with.
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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