Team Spisak at Waterstone Mortgage NMLS #197397

Team Spisak at Waterstone Mortgage NMLS #197397 Nationally recognized Mortgage Banker helping clients obtain good loans, great pricing, & great experiences.

Looking for ways to make homeownership more affordable? A temporary buydown could help.A temporary buydown may be a smar...
09/24/2026

Looking for ways to make homeownership more affordable? A temporary buydown could help.

A temporary buydown may be a smart way to lower your monthly mortgage payment during the first 1-3 years of your loan. It can help you save money upfront and make the transition into homeownership a little more manageable.

Learn more here: https://bit.ly/4gSrOUx

One of the most common mortgage myths: You need 20% down to buy a house. This is FALSE! Many programs require as little ...
09/22/2026

One of the most common mortgage myths: You need 20% down to buy a house.

This is FALSE! Many programs require as little as 3-5% down. Waterstone Mortgage even offers several programs with NO down payment requirement.

On top of that, you may qualify for assistance to help cover your down payment and/or closing costs, decreasing your out-of-pocket costs even further.

Homeownership can be closer than you think. 💭🏠 Send a DM to chat about your options.

Thinking about buying a home? Getting pre-approved can help you understand your budget before you start shopping.Here's ...
09/19/2026

Thinking about buying a home? Getting pre-approved can help you understand your budget before you start shopping.

Here's what you'll likely want to have ready:
📄 Recent pay stubs
💰 Bank account statements
📑 W-2s and/or tax returns (if applicable)
🏦 Information about your assets and debts
🪪 Government-issued photo ID

Every homebuyer’s situation is unique, so additional documentation may be needed.

Save this post for when you’re ready to start your house hunt, or share it with someone who’s starting theirs!

5.0 star review received on Experience.com for Joe Spisak by John J - Joe and his team have helped us close on ...
09/17/2026

5.0 star review received on Experience.com for Joe Spisak by John J - Joe and his team have helped us close on two homes and refinance once. In every instance they have been kind, professional, and timely. Joe has also personaly reached out to potentially sellers to advocate on our behalf, which we are confident has made a difference and contributed to us winning the bid on our forever home. Cannot recommend these folks enough. If you are searching for a team to lend for your next home - stop. You've found them.

Read more: https://experience.com/reviews/joe-spisak-403982/0857b31a-64d9-4308-83c6-597fd8ee8dcf?V=1789665977&utm_source=facebook&utm_medium=autopost&utm_content=13651956

Dreaming of celebrating the holidays in a new home?The fall season is a great time to start planning if you'd love to sp...
09/16/2026

Dreaming of celebrating the holidays in a new home?

The fall season is a great time to start planning if you'd love to spend the holidays making memories in a new place.

Buying in the fall often means less competition, more negotiating power, and sellers are more motivated.

Plus, getting started now gives you time to plan your move before the holiday rush.

If buying a home is on your holiday wish list, let’s take the first step in your journey together. Send a message to discuss your options.

Looking for a mortgage experience that prioritizes your time? At Waterstone Mortgage Corporation, we focus on quick and ...
09/13/2026

Looking for a mortgage experience that prioritizes your time? At Waterstone Mortgage Corporation, we focus on quick and efficient closings.

Let’s talk. Get pre-approved today ➡️ https://bit.ly/4rLSo4k

One of the biggest topics homebuyers have questions about? Credit. 📈Your credit score is one of several factors lenders ...
09/13/2026

One of the biggest topics homebuyers have questions about? Credit. 📈

Your credit score is one of several factors lenders consider during the mortgage process. While a higher score may help you qualify for more favorable loan options, there are loan programs available for a wide range of credit profiles.

A few ways to strengthen your credit:
✔ Pay bills on time.
✔ Keep credit card balances low.
✔ Avoid opening multiple new accounts before applying for a mortgage.
✔ Review your credit report regularly for accuracy.

Learn more about how your credit score impacts your mortgage here: https://bit.ly/4glDE9N

Today, we pause to remember the lives lost on September 11, 2001, and honor the courage of the first responders, service...
09/11/2026

Today, we pause to remember the lives lost on September 11, 2001, and honor the courage of the first responders, service members, and everyday heroes who stepped forward in a time of unimaginable tragedy.

We remember. We honor. We will never forget.

Address

1580 South Milwaukee Avenue Suite 301
Libertyville, IL
60048

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+17732555989

Website

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