

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
Extremely fast when putting the wheels in motion for this whole process and very easy to communicate with.
We were not told/reminded close to our closing date that we needed a cashier's check for the closing cost. It added a lot of stress and time to the closing for us. The overall process of researching and choosing the loan was fine, but we felt...
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Melissa was awesome. She made buying a house super easy!
The personal touch. Melissa physically went to H&R Block and begged the lady to stay open for me so I could get my taxes done and she stayed open 2 hours late just for me. Any questions I had always right there I felt like family in this whole...
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Melissa was very helpful and answered all of my questions. She was always quick to respond and even helped me out on a weekend! She made sure I understood everything and simplified things if I didn’t understand.
Very responsive. Always made herself available for help
Quick
Responsive
Helpful
Good to work with
communication and friendly.
Great and friendly communication, always willing to help when needed
Melissa was able to help answer all our questions and gave us great advice to help us get our new home!!
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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.