

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
Thu
24 hours
Fri
24 hours
Sat
24 hours(Open now)
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Reviews from Web
Confusing at times having to deal with different people.
Melissa Karcher walked us through step by step on this mortgage via online. Was available any day we needed help or questions.
Very very patient and considerate!!!
Super efficient, very clear on what we needed to do and they were extremely quick to answer any questions. Very professional and made for an easy process.
Melissa is very knowledgeable. She makes herself available. She is also very pleasant to work with.
Melissa was very committed to executing every step of the process. She made sure at any point we were not waiting on her for information. She provided status updates and answered questions promptly, even during off hours. Melissa is truly an...
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Melissa was very committed to executing every step of the process. She made sure at any point we were not waiting on her for information. She provided status updates and answered questions promptly, even during off hours. Melissa is truly an...
read more
Melissa was always available to answer the many questions I had and was so great at explaining everything!
Melissa was great to work with. She kept us informed at all steps.
Quick response time, always helpful and ready to answer my questions
Communication was amazing, we felt like then entire process was going smoothly. Things never felt rough or uneasy. Everything worked out well!
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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
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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.