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
Melissa really knows what she is doing. We had a few strange twists due to what underwriting required due to our jobs. She helped us through each and every step. I would highly recommend Prosperity Home Mortgage and Melissa!
Melissa was wonderful to work with, always available when we needed her. Answered all our questions. Great experience would highly recommend her to family and friends. Thanks for a great job Melissa!!
Melissa handle everything in a professional manner. She got the job done.
Melissa was highly responsive, communicated clearly, and provided transparency. It was awesome working with Melissa, I appreciate her excellent communication skills and diligence.
I enjoyed working with Melissa: she is knowledgeable about the lending market and keep me on task to make sure all required documentation was completed on time. Which I hate to do. Overall she is very professional and keep surprises out of...
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Great customer service and quick action.
Melissa was always reachable for questions regardless of what time it was. She made the whole process smooth and easy. Customer service is what stood out between her and all the other applications I filled out for mortgages.
Melissa was very knowledgeable and helpful with the entire process.
Melissa was great to work with. Whenever we had a question she was always available and answered all of our questions! During the entire process we felt very comfortable with her guidance and ultimately it landed us an accepted offer in two...
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Melissa explained everything perfectly. Most of our conversations left me with absolutely zero questions.
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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.