Team Spisak at Waterstone Mortgage NMLS #197397

08/31/2026

Summer may not be over just yet, but are you...

☀️ Team Summer
or
🍂 Team Fall?

Would you rather spend the afternoon by the pool or curled up under a blanket with a warm drink?

Tell us which season feels more like home in the comments! 👇

08/27/2026

A temporary buydown is a mortgage loan option in which the seller or lender reduces the interest rate for the first 1-3 years of the homebuyer’s loan.

What does this mean for homebuyers?

✅ Buying a house is expensive — you can use this financing option to ease into your mortgage.
✅ Temporary buydowns are especially great for those who don’t want to wait for interest rates to drop to buy a house but would like to take advantage of some savings upfront.
✅ Seller won’t go for it? Consider Smart Start, our LENDER-PAID buydown option.

Learn more: https://bit.ly/45hRPWS

08/24/2026

Myth Monday: You need 20% down to buy a home.

Many buyers qualify with far less than 20% down — and some loan programs even offer 0% down for those who are eligible.

The required down payment depends on the loan program and your individual situation. 🙌

Don't let this common misconception keep you from exploring your options. You may be closer to homeownership than you think.

Let’s make your move together. Send a message to get started!

08/22/2026

5.0 star review received on Experience.com for Joe Spisak at Waterstone Mortgage NMLS #197397 by Annette F - Joe and his team were the best. They made everything go very smoothly and were great at giving me any details I needed to put my mind at ease as a first time home owner.

Read more: https://experience.com/reviews/joe-spisak-403982/96c91411-cff1-42f8-9149-ace8930cab15?V=1787373965&utm_source=facebook&utm_medium=autopost&utm_content=13450850

08/21/2026

Many homebuyers in today’s market are asking: “Is now a bad time to buy a house?”

Instead of waiting for rates to drop, here's something to consider:

You can buy the home that's right for you now — and if rates improve down the road, refinancing may be an option.

Buying now could allow you to…
🏡 Start building equity sooner
📍 Stop waiting on the sidelines
🔑 Secure the home you want today

Every situation is unique, so it's important to understand your options before making a decision.

Let's talk through what makes the most sense for your goals.

08/21/2026

5.0 star review received on Experience.com for Joe Spisak by Lorena M - Joe and Kayla made this process very easy and smooth! it was a pleasure to work with them. Anytime I had a question, they answered asap and were patient with me which I appreciated as a first time home buyer.

Read more: https://experience.com/reviews/joe-spisak-403982/bf2d33c5-e3bc-4c58-8a31-aefc47078d32?V=1787336441&utm_source=facebook&utm_medium=autopost&utm_content=13449297

08/21/2026

5.0 star review received on Experience.com for Joe Spisak by Andrew J L - Joe and his team were very easy to work with and started on top of everything throughout the process. I would recommend them to anyone I come across looking for a mortgage.

Click to see all 607 reviews of Joe Spisak at Waterstone Mortgage NMLS #197397, Branch Manager

08/19/2026

Think student loan debt means homeownership has to wait? Think again.

Student loans don't automatically prevent you from buying a home. Your overall financial picture — including income, credit, assets, and debt — is what matters.

If buying a home is one of your goals, don't assume your student loans have taken it off the table. You may have more options than you realize.

Learn more about how student loan debt can impact the mortgage process: https://bit.ly/4bGpGwe

08/18/2026

5.0 star review received on Experience.com for Joe Spisak by Kathleen G L - Our fourth home purchase with Joe and we are continually impressed and thankful for his patience and thoroughness!

Read more: https://experience.com/reviews/joe-spisak-403982/51a38d65-9d09-444d-8289-a44fb31a0f28?V=1787096078&utm_source=facebook&utm_medium=autopost&utm_content=13440040

08/16/2026

5.0 star review received on Experience.com for Joe Spisak by Howard S E - Joe and Kayla were very responsive to our needs and worked directly with our financial advisors to structure an arrangement that helped us accomplish our objectives. I will be sure to recommend Team Spisak to friends and colleagues.

Read more: https://experience.com/reviews/joe-spisak-403982/832b2763-e7c7-4b90-a282-2d61ab0f77c9?V=1786918191&utm_source=facebook&utm_medium=autopost&utm_content=13436975