home is where your story begins
Joe Spisak
My name is Joe Spisak, I am a nationally recognized Mortgage Banker who helps my clients obtain good loans, great pricing, and an overall great borrowing experience.

My complete focus is and always will be on my customers and their best interests. With 25+ years of experience in the mortgage industry, my team and I tirelessly work to ensure my clients fully understand their mortgage options so they get the best loan, at the best price, for their specific financial situation. I also take great pride in simplifying the complicated. To ensure this, I employ a team of experienced professionals that are trained to identify issues before they become roadblocks, making your experience as smooth as possible.

We offer a wide array of unique loan products and we’re experts at matching clients up with programs that fit their individual circumstances. When it comes to anticipating needs, answering questions, and providing updates on loan status, we’re known for our responsiveness.

You’ll see the difference in our:

• Care for our clients - We’re here every step of the way, offering resources to help you understand the loan process and determine which one of our unique mortgage programs is the best fit.

• Consistent and transparent communication - You deserve responsive, regular, and helpful communication throughout the loan process. At Waterstone Mortgage, we make it a top priority to communicate often with all parties involved in the transaction.

• Variety of lending solutions - With our extensive product variety, including many no-down-payment options, we make it our mission to get as many homebuyers as possible from application to closing as smoothly and quickly as possible.

• Cutting-edge technology - Waterstone Mortgage’s proprietary, innovative technology simplifies and speeds the loan process. Our team can access the status of a loan anytime, anywhere, and update all parties involved immediately. Developed by information technology professionals with mortgage experience, our technology is second to none.

We do what we do because we never forget: home is where the best part of life happens, and you want it to be perfect. So, when you find it – the perfect home – let us help you find the perfect mortgage.

Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Branch License #41DBO-91094.
Tools You Can Use
See how Waterstone Mortgage’s construction loan and permanent financing solutions can help your clients.
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