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
Nice lady, good attitude
Reply from Melissa Karcher
December 31st, 2024 05:00 PM
Thank you, Mark, for the positive review!
N/A…………………….
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Sarah, Thank you for the 5 Star review! I enjoyed working with you and look forward to assisting with any home financing needs you may have in the future!
Very good communication all the way around. Melissa was great.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Alex, thank you so much for your kind words and the 5-star rating! I'm so glad to hear that you had a positive experience with the communication process during your home purchase. It was a pleasure working with you and helping you navigate...
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We had a great experience working with Melissa and her team! She was very responsive, knowledgeable in her field and was able to break down the numbers easily so we understood where they were coming from. Would highly recommend to anyone looking...
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Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you for the stellar review, Anna! It was a pleasure assisting you with your home purchase. I'm thrilled to hear that our team's efforts made the process smoother and more understandable for you. Your recommendation means the world to...
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It was easy to get approved and re approved, you recommending loan commitment, answering the phone on a Saturday to help me put in an offer, and clearly explaining the mortgage options after i had an accepted offer.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
I'm really glad to hear about your positive experience, Tyler. Making the mortgage process clear and straightforward is always my goal. I was more than happy to assist you with your purchase, even if that meant being available on weekends....
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Sh is a great lender and Johnny on the spot! Go Wheda Queen
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you so much for the wonderful review. I'm thrilled to hear that you had such a positive experience with Prosperity Home Mortgage. Being referred to as the 'Wheda Queen' really made my day! 😊 Looking forward to assisting with any future...
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Mike, Ava, and Melissa were wonderful to work with. I truly felt they had my best interest in both their hearts and minds. They regularly checked in to ensure I was comfortable with everything throughout the process. All responded timely to...
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Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Hi Mirayra, I'm so glad to hear you had a positive experience with our team at Prosperity Home Mortgage. Your kind words about Mike, Ava, and myself truly mean a lot. We strive to provide our clients with the best service possible and to make...
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Being available outside of normal business hours, working the numbers to do everything that we need, putting up with my crankiness when I had to call from work.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you for taking the time to leave a review, Edward. I'm glad to hear that my availability and flexibility were helpful to you during your home purchase process, even if it meant working outside of normal business hours. I understand how...
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Everything
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
I'm thrilled to hear that you had such a positive experience with your loan purchase! Helping customers like you achieve their dreams is why I love what I do. Thank you for the 5-star rating, it means a lot to me and the entire team at Prosperity...
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No comment
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you for the perfect rating, Kenneth! It was a pleasure to help you with your home purchase at Prosperity Home Mortgage. I appreciate your trust in me and look forward to the opportunity to work with you in the future.
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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.