

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
Took time with me and when I freaked out, she took it in stride.
Melissa is very bright, thinks outside the box, and explained exactly what she would do and how she would do it, then excuted her plan to perfection even though time was limited when the job was handed over to her. I had full faith from the...
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Great deal of knowledge and courtesy great experience and great place to do business with thanks again
Easy to work with
Good communication, attention to detail.
Melissa and her team are amazing at what they do. They have great communication and quick in letting you know if there is something missing. Thank you!!
Friendliness, helpfulness, explaining/answering questions, trying to help a house sale go through
Working with Melissa Karcher (beginning and middle of the process), and then SueAnne Boyum (to close) was an excellent experience. Both were very helpful and had excellent communication. We had an unusual situation, with an intra-family sale,...
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Because this survey is annoying
Appreciate the help setting up the VA loan.
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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.