Melissa D. Karcher
Mortgage Lender
University of Wisconsin-Eau Claire
With over 20 years as a mortgage lender in Central Wisconsin, I specialize in making homeownership accessible—especially for first-time buyers. Whether you need WHEDA, FHA, VA, USDA, conventional financing, or construction loans, I have the... Show More
Location & Business Hours
Business Hours
Fri
24 hours
Sat
24 hours(Open now)
Sun
24 hours
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Reviews from Web
Melissa was phenomenal to work with.
Reply from Melissa Karcher
July 24th, 2026 05:46 PM
Pauline, I appreciate your kind words. I'm glad to hear you had a positive experience working with me. Thank you for the wonderful feedback!
The loan got approved with Melissa helping get my information in
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
I'm really glad that I could assist you, Erika, in getting your loan approved. Thank you for your positive feedback.
Melissa is Great! Always can count on her!
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you Laura! I always enjoy working with you as well!
Melissa was very helpful thorough my first time home purchase. She sent videos along the way that were very helpful and was happy to answer all of my questions.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you so much for your kind words, Rachel! I'm thrilled that you found the videos and information useful in your first home buying process. It was truly a pleasure to assist you on this journey. Feel free to reach out if you have any more...
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Melissa was wonderful to work with during our home purchase. She kept us informed all along the way too.
Carla Meyer
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you so much for the kind words, Carla. I'm very pleased to hear that you had a positive experience with me during your home purchase. Keeping my clients informed and guiding them through each step of the process is always my top priority....
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As first time homeowner/buyer, Melissa and her team made the experience smooth and easy for us! We knew what to expect every step of the way!
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you so much for your kind words, Olivia. I'm thrilled to hear that you found the process smooth and easy - that's always our goal, especially for first time buyers. I'm glad we could help make your experience with Prosperity Home Mortgage...
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The professionalism and caring for the customer was Great from the start to the end of the purchasing process!!
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Robert, I am absolutely thrilled to hear about your positive experience with Prosperity Home Mortgage. Your satisfaction is my priority and hearing such praise about the purchasing process reassures me that we are achieving that. I truly appreciate...
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It was great in the beginning. Promised a 10 closing constant communication even after the first property fell through. Then it all went down hill. Trying to clear conditions on me after a month and 5 days before closing. Understood in the...
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Reply from Melissa Karcher
January 6th, 2025 02:33 PM
Laura, I am sad that you were disappointed with your experience. Thank you for the feedback so that we can learn and improve.
Very helpful and knowledgeable
Reply from Melissa Karcher
December 31st, 2024 05:00 PM
Thank you, Rebecca, for the positive review. Congratulations again on your new home!
Melissa was attentive and responsive at all times. Helped us get the best deal available to us. Was very communicative and transparent.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
I'm thrilled to hear that you had such a positive experience with your loan purchase, Stefan. I pride myself on being attentive, communicative, and transparent, so it's great to hear that these qualities made a difference in your process. Thank...
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About
With over 20 years as a mortgage lender in Central Wisconsin, I specialize in making homeownership accessible—especially for first-time buyers. Whether you need WHEDA, FHA, VA, USDA, conventional financing, or construction loans, I have the expertise to guide you through every option.
My commitment is simple: prompt responses, accurate information, and loans that close on time. I focus on your experience, ensuring the home-buying process is smooth and stress-free.
Ready to explore your options? Let's talk. You'll be working with a lender you can trust.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Construction Loan
Bridge Loans
USDA Loans
Cash-Out Refinances
Specialities
Mortgage Loans
Construction Loans
FHA Loans
WHEDA Loans
Federal VA Loans
USDA Loans
Heloc
Refinance
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Education
- University of Wisconsin-Eau Claire
Positions
- Bank Five Nine - Mortgage LenderSep 14th, 2026 - Current
- aLender2Trust - Mortgage LenderJan 1st, 2005 - Current
Addresses and Serving Areas
Primary Serving Area
Year Started
2005
Time Zone
Central Standard Time (CST)
Licenses
- NMLS 470140
Gallery
Hobbies
- Golf
- Downhill Skiing
- Camping
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Disclaimer
© 2026 Peoples State Bank. Approved to offer SBA loan products under SBA's Preferred Lender program.