

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
Melissa made the entire process a breeze. 10/10 would recommend.
Melissa was so kind and helpful! We were in a bind and she worked with us right up until the last minute to make sure we had what we needed.
Melissa walked me through easy, and tough questions. And was there for everything imbetween!! Thank you so much. Hope to do another purchase soon.
Chris
Melissa was very helpful going through the mortgage process and was very timely with any communications that came to us. If we had any questions, Melissa or her team always answered right away or promptly answered messages and emails. Very...
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Melissa was very helpful going through the mortgage process and was very timely with any communications that came to us. If we had any questions, Melissa or her team always answered right away or promptly answered messages and emails. Very...
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Melissa was great! Always answered any question that came up and worked through every obstacle, and there were plenty!
Quick response time and actually answers when you call
Everything was smooth and we felt well taken care of.
Melissa was awesome working with. She kept great communication, very knowledgeable, and helped us out with any questions or concerns.
Service Provided
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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.