

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
Quick answers to questions and fast to present info
So the relocating you sometimes don’t know who to go to and or contact, but Melissa and the whole team made it so easy! We could reach out with any questions and we were always met with quick responses and kindness. A great experience overall!...
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Great communication from the very beginning
Melissa was very responsive to my calls and questions
Was very helpful and responded fast when we needed it.
Melissa was great and very helpful. Thank you to her and her team.
Very nice and helpful
My wife and I were not expecting to buy a house yet, I felt that we were 6-12 months out from qualifying, so my parents we looking to purchase a house that we could then turn around and buy from them in next year or two. After talking with...
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The process was very easy. Everything was completed online and the app was very easy to use. Melissa was great to work with.
We had a wonderful experience buying our home with Melissa Karcher! She was always there to answer any questions and really eased our stress! We would recommend her to all!!
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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.