

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
Experience, Knowledge and excellent communication via text or phone.
Melissa made herself available whenever I needed her. She was even willing to help me on weekends to make sure I got the documentation I needed when submitting an offer. Not only was Melissa awesome but everyone on her team was really responsive...
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Melissa was extremely knowledgeable and approachable. Absolute joy to work with. Incredibly easy to contact and always able to answer any questions that I had about the process.
Availability
She is very patient, helpful, and on top of all current mortgage availability and laws. She is phenomenal to work with!
Everything as it should be, no surprises
Really appreciated Melissa's availability when we had questions.
Melissa communicated with us through the whole process. The portal made it easy to review and upload documents. Very good experience.
I was always able to communicate with Melissa and others quickly to get questions answered or documents I needed. I never felt alone during the whole process which was great!
Fantastic experience from start to finish
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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.