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
From day 1, Melissa was prompt, patient, and clear! Buying a home can be confusing, but Melissa and her team made it easy and understandable.
Very pleasant and easy to work with.
We received lots of communication and emails from Melissa. She was helpful when we got stuck on somethings. We haven't bought a home for 33 years and so having lots of support was helpful
Melissa was very helpful Nd always got back to us in a timely fashion.
Melissa was so nice to talk with, and very friendly and helpful. I found the App to be very helpful and user friendly. I would definitely recommend Melissa and her team.
As a first time homebuyer, there were a lot of things I didn’t have much knowledge on that I was nervous about. Melissa was excellent at explaining things clearly and putting me at ease throughout the whole process.
During the process they were very pleasant to work with answered all my questions and were very responsive. Great team to to work with. Highly recommended.
Melissa was available whenever I needed her. The whole process was fast and smooth. All of my questions were answered in a timely fashion. Things were done in a way that was convenient for me. I was kept up to date with how everything was coming...
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Melissa and her staff made the buying process very easy for me. Melissa did a great job answering all my questions and had a very fast turnaround time when responding back to me. It was a pleasure working with her and her team.
We got great advice and excellent service.
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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.