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
They helped me through the whole process
Very professional and informative of each step in the process and what to expect next. Thank you so much Melissa, it was a pleasure working with you.
Your whole service was great.
Everyone was very friendly, helpful and responsive. The process was well explained and any variations were well communicated. The entire process seemed very stress free and smooth. You were all awesome!
There was times when emails or voice mails were not returned. We needed to discuss with realestate agent to make contact.
Melissa was great. Answered all questions promptly and with expert knowledge. She was essential in our home buying process.
Melissa and her team were very helpful and informative throughout the whole process. She was always able to help with any question I had
Melissa was such a wonderful help. Any questions we had, she answered with no problem. She helped us feel confident in our purchase. Thank you so much
Melissa was very responsive and explained each step of the process
Melissa was excellent in keeping us up to date with all aspects of this service. Great and very friendly communicator. Answered all questions in a very timely way whether or not communions were within or without of normal business hours.
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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.