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
Melissa was great to work with. She explained everything in detail as this was our first house. She was quick with responses and made the whole process very easy.
Melissa and her team were outstanding. They helped us every step of the way and truly made our dream a reality. We cannot thank her enough!!
Despite the strict and frustrating guidelines of my loan, Melissa still worked hard to get stuff wrapped up with what I needed and gave me detailed lists of what was needed. She was also very helpful in explaining why things had to be completed...
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She was exceptional in her service and pickup my phone calls for questions even after hours. Very knowledgeable and explained the process very clearly. I already recommended her to one of my friend
Melissa was great, we found her highly responsive and very informative.
It was easy to work with Melissa. She provided all the paperwork and scheduled everything for a stress free process.
My wife and I moved across country with our 4 kids. We meet Melissa through our Realtor and explained our current situation. Melissa reassured us that we could move on with buying a house and that her and her team would work endlessly for us....
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Melissa was great to work with.
Made everything easy by being able to sign electronically and scan documents on my own when I had time.
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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.