"Joe Long and Waterstone Mortgage turned a scary process to a first-time homebuyer into the most positive interaction ever. We had credit issues and he helped refer us to someone to get it taken care of the right way and still keep us on track for getting a new house within a month. It was simple, fast, and he made it easy to understand. Whenever we had questions, he would get back to us within 24 hours, usually within a couple hours with the answers. He helped us with my VA housing loan and was an expert at all the little details that came with it. Overall our relationship with him and the company were the most positive part of the process, except for getting the house of course! We have recommended him to all my fellow military and veteran friends as well as family. There is no one else that I trust more and would definitely work with them in the future." - Jen from New Glarus 

"Joe Long, and everyone else at Waterstone Mortage, was great to work with - not only does he know his stuff, but he made himself readily available if we needed anything. Thanks to him, the loan approval went off without a hitch and he made sure we were comfortable with every step along the way. As first time home-buyers, the whole process was new to us. Joe laid out the process for us step by step and made sure we understood why each step was important. For us, low mortgage payments were important so Joe explained how paying off your PMI up front will keep your payments down. He also explained that if you're ready for the commitment, the cost-benefit comparison leans heavily towards owning a home when compared to renting. We have and will continue referring people to Waterstone Mortgage." - Lindsay from Madison

"Joe did a great job refinancing my home loan. He was very professional throughout the entire process and communicated extremely well. Joe is very knowledgeable in home finance and real estate - a guy who really cares about his career and is willing to go the extra mile for his clients." - Tim from Madison

"Joe Long and Waterstone Mortgage made buying our first home a breeze! As first time home buyers, we had a LOT of questions. Joe took the time to make sure we completely understood every step of the process. He walked us through a variety of different financing options and helped us identify the best option for our situation. He was always very communicative and made us feel like a valued customer. We've been telling all of our friends, when you're ready to buy a house, call Joe Long at Waterstone Mortgage!" - Antonia from Madison

“As a Real Estate Professional, I have seen Joe work his magic in getting clients the best deal for their homes. Time and again he comes through, thinking first of the client's needs. So much so that i have refinanced my personal residence with him and saved over $250 a month.” - Guy Lofts, Keller Williams Realty

“I have been working with Joe for a few years now in a mutual referral relationship. Because we work with eachothers clients, I can see every aspect of how Joe does business and I have to say that he is outstanding at all levels. When working with his mortgage clients, they always let me know how personable, knowledgeable and efficient he is and when I send him one of my clients for a mortgage they always are excited to tell me the same things about him. Bottom line is that I believe Joe to be one of the best loan officers in the Madison area and great person to do business with. I wholeheartedly trust him to always be honest, to be professional, and to provide exceptional service to the friends and clients I send his way. Thanks Joe!!!” - Mark Raszewski, Liberty Mutual

"Joe Long and Waterstone Mortgage are just the best! They made us feel very comfortable buying our first home. Always readily available to answer questions, worked with us to to get a fast closing, and all around friendly personalities. I recommend them to anyone and everyone looking to buy a house!" - Erin from Madison

"Joe Long at Waterstone Mortgage gave me all the information I needed to make the best decision about my loan. He was professional and made the process quick and organized. I would definitely recommend him!" - Courtney from Cross Plains 

“Joe worked VERY hard for my clients who were purchasing their first condo. He was very determined, patient and professional. This particular situation was very complicated and Joe exceeded my expectations to get the job done. Thank you for jumping through hoops and creating a happy closing for my clients!” - Rachel Whaley, Keller Williams Realty

“Joe saved the day. During a particularly rough transaction, Joe not only kept a level head but also held the client's hand so that they were able to put together all of the papers that they needed in order to qualify for a loan. The Buyers had been turned away from other institutions and needed extra help in understanding the loan approval process. Joe and Waterstone Mortgage were able to get the Buyers qualified for the loan and successfully closed on their new house.” - Susie Jennings, Stark Company Realtors

 
"I strongly recommend Joe Long. He was extremely knowledgeable and helpful throughout the entire process. Very reliable and competent. A+." - Josh from Madison

"Buying a house is tricky business these days -- what with the myriad forms, the poking and prodding from credit companies and downright stubborness of obstinate banks to do what they should be doing after their fat, taxpayer-fueled bailouts -- lending money to qualified applicants. Joe went at it, and gave us the confidence he'd cut through the bull and get the job done. And he did. Right on." - Doug from Madison

"Joe Long is a smart, knowledgeable person. He provided us with great advice on numerous occasions and really put us at ease throughout the home-buying process. In addition to answering all our questions promptly, he and his team at Waterstone kept us up to date on all pertinent information regarding our loan. Their customer service was top notch, and our loan was approved very quickly. I'd recommend Joe and Waterstone to anyone." - Andrea from Madison

“I highly recommend Joe Long as a loan officer and a community leader. I've had both the privilege and joy of working with Joe as a volunteer, as a client of his and as an affiliate. He is a true leader with a sense of responsibility to his obligations, a sense of caring for his clients and a depth of wisdom I find refreshing. I trust Joe to handle my own personal loans. I trust Joe to work with my clients. I appreciate working with Joe on committees he chairs. He is ethical, trustworthy and dedicated." - Kathleen "Sona" V. Olson, Supervising Broker Keller Williams Crossroads

"I was looking at buying my 1st house and had no clue what was needed. Joe worked with me from day 1 to make sure I did everything needed to get the home I wanted when my own bank told me there was no way. Would recommend Joe to anybody even thinking about getting a home, even with poor credit history. He can get it done and truly cares about his customers." - Jacob from Madison 

"Greg and I bought our first house and we we're very nervous and wanting to know the exact moment everything was done so that we could have a timeline for opening Early Explorers Family Child Care. Joe called us to let us know updates on weekends! He was so easy to talk to. He works really well with VA Loans. We had such an easy time understanding everything because Joe loves when you ask him questions. We started looking for a house in October and we were in by December. Joe is smart, knowledgeable, very easy going and we can't thank him enough! We also added this recommendation to our daycare website because we had such a great time working with Joe!" - Rose from Madison

“Joe has been an amazing professional to have as part of my real estate team. He has been able to assist my customers with outstanding customer service and follow through from the begining of the loan process to the closing table. Joe is very knowledgable with the current market and the lending challenges, and takes the time to structure each loan program to the specific clients lifestyle and personal goals. Having a rock solid loan professional as part of my team has secured the foundation of my business and bullet proofed each of my transactions in this shifting market. If you are looking for a great professional to work with your clients, I would highly recommend getting to know Joe and what he and Waterstone Mortgage can offer you.” - Pamelyn Meller, Keller Williams Realty

“I had the pleasure of working with Joe during his chairmanship of the Equal Opportunity and Affordable Housing Committee of the REALTORS Association of South Central Wisconsin. He re-focused the entire committee and was the driving force in motivating all the committee members. His leadership skills, attention to detail, and willingness to go the extra mile really set him apart from others, and he challenged others to do the same. The single thing that impressed me most was the dedication he had to improving both the committee functions and his leadership skills. When it comes to an all-round good guy that has a team attitude, Joe is the kind of person you want on your team.” - John Deininger, Knight-Barry Title

“Joe helped me refi twice now. Great to work with him!” - Adam from Madison

“Joe is one of the most professional Mortgage Originators that I have had the pleasure of doing business with. I would enthusiastically recommend my clients to work with him. His knowledge of working with veterans is unmatched. If you have anyone who has any questions regarding their mortgage and how it applies to their complete financial picture than Joe is the one you should consult with. Thank you for all of your excellent advice Joe." - Patrick Free, United First Financial

“I recommend Joe Long to buyers who are uncertain or nervous about the market conditions, because Joe is very thoughtful and sincere in his approach and will put your concerns at ease. I continue to refer business to Joe because of these qualities.” - Robin Guernsey, Stark Company Realtors

"I went to Home Depot yesterday to pick out ideas for redoing the interior of the house.  Everything looks just wonderful together the colors co-coordinate so well together.  I picked out the paint, linoleum to carpet I just can't wait.   Then I'm looking into new curtains and valences.  This is a lot of fun to see how this is coming together.  You're right, you do make dreams a reality, you kept your word.  See you soon." - Mary Jo and Wayne from Sun Prairie

"Joe was a wonderful person to work with.  Being a Realtor myself, I have never worked with a lender who works so hard to get the loan closed in the short timeframe he was given.  Joe really went the extra mile and was always very easy to contact by phone or email.  He was always quick to answer the many questions we had about our first VA loan.  I would recommend Joe to anyone who is looking for a smooth, efficient and fun close." - Mindy from Sun Prairie

"No, Thank you Joe!  You are a saint for putting up with our "checkered" credit report!!!  I am just glad that there are still people on this earth that can see us as good, honest people!!  Whichever way this goes approved or not, you have given us the tools we need to get on the right track for getting our lives back!" - Anonymous from Madison  

“Joe is a great loan officer at Waterstone Mortgage. I first met Joe in March of 2010 when I first joined the Affordable Housing Committee. He has done great things for the Community involving Habitat for Humanity and Operation Fresh Start. He also, closed on a difficult lending situation for my clients. I would recommend Joe, to anyone!” - Laura Lahti, Century 21  

“Joe Long takes a lot of pride in being very knowledgeable in both the mortgage industry as well as the Madison community. Joe’s personality, motivation, and determination make him very enjoyable to work with. Joe emphasizes putting his client’s needs and desires first and takes a holistic approach to their mortgage as well as financial needs. Joe Long will rise as the premiere mortgage broker in the Madison area.” - John Locke, Northwestern Mutual

“Joe's outstanding customer service and exceptional knowledge during the purchase of my home really made the "process" less or a process. He was prepared for all the required details and ready to answer any questions I had along the way. Overall, thanks to Joe I have the home I dreamed of and the financial platform to keep that home for life.” - Sara from Sun Prairie 

“Joe went over and above what would normally be expected of a mortgage broker. I truly believe I would not live in the house I do today without his help.” - Adam from Madison

“Joe went above and beyond our needs to help us during a very difficult time to try and get our refi pushed through. Once it became clear we were not going to be able to complete the refi, Joe referred us to a competitor he trusted, who was able get us setup. He still made himself available to us and the only issue beyond that point was beyond anyone's control and that was the fact the housing market was too depressed for us to complete the loan. I would recommend Joe to anyone looking for his services.” - David from Madison 

“While Joe and I only worked on one deal together, his attention to detail, ability to build rapport with our mutual client, and adherence to deadlines removed a ton of the stress that tends to accumulate between the accepted offer and closing.” - Chris Kromm, Bruner Realty and Management

“Within moments of meeting Joe Long, it was clear that he is one of Madison’s most knowledgeable and highly-regarded Mortgage Officers. I have found Joe to be a progressive and likeable professional who is never afraid to go the extra mile for his clients. I have worked directly with several of his customers and it was immediately apparent that their happiness is his highest priority. I find his client relationships nothing short of stellar and super impressive! I highly recommend Joe Long. He is a team player, a fantastic person and an absolute financial genius.” - Mariah Haberman, MH Branding