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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(Open now)
Fri
9 AM to 5 PM
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Reviews from Web
Joe and his team are the most attentive, knowledgeable, and personal people you could hope to work with
Reply from Joe Spisak
September 24th, 2025 12:27 AM
Andrew-thank you for such a kind review. It means a lot coming from someone like you. 👊🏻
Joe and his team were great to work with throughout the process and helping us understand all aspects of securing our first mortgage. I would highly recommend them to anybody who is going through the home buying process.
Reply from Joe Spisak
August 11th, 2025 01:51 PM
Lee, I'm thrilled to hear that your experience securing your first mortgage was positive and that you found working with us helpful. It's rewarding to know I could assist in making the process clearer and more manageable for you. Your recommendation...
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Joe & Kayla were fantastic to work with throughout the process. They would always come to us with different options and scenarios that would make us the most comfortable. I would highly recommend them to anyone starting the home buying process....
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Reply from Owner
August 10th, 2025 12:00 AM
Lee-thank you for these words and for sharing your experience here, so others could benefit. Four our part, it was great working with and being of help to you. Thank you for trusting me and my team.
The Team was great to work with and always on top of the process
Reply from Joe Spisak
August 4th, 2025 02:44 PM
Vicki, I'm glad to hear that you found it great to work with the team and appreciated the level of attention they provided throughout the process. It's important to me that every client feels supported and informed, so your feedback means a...
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A fantastic team to work with while obtaining a mortgage loan. Joe and Team are friendly professionals, walking me through each step of the loan application process to a successful closing. They took on the application as if it's their own,...
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Reply from Owner
September 24th, 2025 12:29 AM
Thank you for these kind words, Angie! It was our pleasure to be of help to you.
I could not have a better lender than Joe Spisak and Team of Waterstone Mortgage!!! They are friendly professionals taking on the application as if for one of their own. They looked for the lowest interest rate and fees, and clearly explained...
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Reply from Owner
August 10th, 2025 12:00 AM
Thank you for these kind words, Angie! It was our pleasure to be of help to you.
Joe and team are great to work with. They walked me through each step to a fantastic finish. They communicated any foreseeable hurdle. They are diligent to review requested documentation and worked for me like they are the buyers! I'm totally...
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Reply from Joe Spisak
July 31st, 2025 03:55 PM
Angie, I'm very pleased to read how happy you are with the support and diligence my team and I provided through your process. Walking you through each step and anticipating any potential hurdles is key to ensuring a smooth journey. Knowing...
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Joe and Kayla are amazing! They went over and beyond to help me purchase my 2nd property. I recommend WaterStone Mortgage to any person who wants a lender that's hands on throughout the entire process.
Reply from Joe Spisak
July 24th, 2025 03:44 PM
Monique-It was our honor to be of help to you, again. Thank you for this kind review and for your continued trust. We'll be here for any questions or needs you have.
We clsoed on time even though there's some delays from the HOA part and Joe has been wonderful helping calculate all the details and explaining them to me.
Reply from Joe Spisak
July 14th, 2025 02:49 PM
Mario-You are most welcome. Thank you for noticing the efforts and for sharing your experience.
Story time. We engaged with Joe about a day before we found our first home that we wanted to place an offer on. It was a weekend, and Joe had barely met us, but he was willing to help us get a pre approval letter done and place an offer within...
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Reply from Owner
July 10th, 2025 10:46 PM
Wesley, Thank you for such a glowing review. My team and i truly care about our clients and when they trust us and empower us to do what we aim to for them results like this occur. Also, big thanks to you and your wife for being fully engaged...
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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