

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
Very good communication and simply answering questions.
Thank you.
Melisa Karcher was efficient yet flexible with us. She was a pleasure to work with!
Great communicator…responsive and helpful at ever turn. Recommend her highly,
Working with Melissa was a breeze! She made everything so easy. I highly recommend her and her team.
Melissa was very helpful and answered our questions in a timely manner. She made our home buying a very positive experience!
Melissa was there every step of the way. She also went above and beyond to make things work and ways for us to save money. The others involved were all amazing as well. Very fast and on the ball to help us see what we could get approved for...
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Melissa made the entire process so easy. She explained everything in detail so we didn’t skip a beat. She responded fast and kept in contact throughout the whole process.
Melissa made the entire process so easy. She explained everything in detail so we didn’t skip a beat. She responded fast and kept in contact throughout the whole process.
Melissa and her team at Prosperity made my home buying experience so enjoyable. Melissa’s expert knowledge, her patience, and her excellent communication kept me informed and confident through the entire process. I highly recommend Melissa...
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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.