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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
Guy's a superhero. Makes sure he knows what you need and what you have to work with, and makes sure you know what you're doing. Couldn't ask for a better experience as a first-time buyer.
Reply from Owner
November 12th, 2025 03:44 PM
Thank you for the kind review, Adrian, and thank you for sharing your experience.
Guy's a superhero. Makes sure he knows what you need and what you have to work with, and makes sure you know what you're doing. Couldn't ask for a better experience as a first-time buyer.
Reply from Joe Spisak
November 12th, 2025 03:45 PM
Adrian, thank you for sharing your experience so others can benefit. Thank you for making the decision to work with me over other lenders.
Great team, highly recommend!
Reply from Owner
November 12th, 2025 03:45 PM
Thank you!
Joe was very helpful, cummunicative and knowledgable! Joe and Kayla made everything go as smooth as possible.
Reply from Joe Spisak
November 3rd, 2025 07:16 PM
Ryan-Thank you for this review and for trusting me and the team to do right by you every way we could. 👊🏻
Joe and Kayla were amazing!
Reply from Joe Spisak
October 31st, 2025 11:24 PM
Thank you, for taking the time out of your hectic schedule to share your experience. It was great working with and for you and yours. Thank you for honoring us by being a loyal client knowing this means the world to us. I hope you and yours...
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Joe was very helpful and detailed in helping my client. Explained things and was sure to get the best deal he could for them. Always close on time with him and his team which is great.
Reply from Joe Spisak
October 31st, 2025 11:25 PM
Thank you, Amanda. You taking the time out of your schedule to write this means a lot. You're the best and that's evidenced by all your successful business.
Quick, pleasant, informative responses.
Reply from Joe Spisak
October 28th, 2025 06:36 PM
Thank you for the review, Paul. It's appreciated that you took time to share your experience so others can benefit.
Joe Spisak goes above and beyond for all his clients and realtors.
Reply from Joe Spisak
October 28th, 2025 06:36 PM
Anik-Thank you for the kind review and for noticing this.
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Zachery E
Reply from Owner
October 25th, 2025 04:50 PM
Zachery-Thank you for the kind review and for noticing how we lowered your rate for you, without you having to ask for it, post-rate lock. Thanks for trusting me and my team to do right by you and yours.
Was able too bring my rate down which Made a significant difference .
Reply from Joe Spisak
October 25th, 2025 04:51 PM
Thank you for sharing this, Zachery. I was happy to be able to do this and did so without you having to reach out on this.
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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