

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 and the PH Team were fantastic to work with in obtaining our home mortgage. As an out of country buyer there were more challenges for Melissa than usual but she was more than up to task. I truly look forward to next opportunity to work...
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Melissa was very patient with us and carefully explained things to ease our concerns. We would highly recommend her to anyone needing expertise in this field!
After many years of being told by various lenders that I wouldn't qualify for anything and then shown the door, I didn't expect much going in. However, Melissa and the Prosperity team not only found the means to secure me an excellent mortgage,...
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Melissa was awesome to work with. This is the second time we have financed thru her and her team. Her knowledge and her ability to share is outstanding. I will recommend her to all my clients and friends . Thanks Melissa for all you do. Stay...
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It was a privilege working with Melissa. She was very knowledgeable, professional, and friendly. Whenever we had a question she was right there with the answers and she walked us through the things we had difficulty with. We would definitely...
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Melissa. She was thorough, patient, knowledgeable, and very sweet.
I always look forward to working with Melissa because I know she cares about helping her customers and has their best interests in mind during the mortgage process.
Good communication and attention to details. Answered all of my questions in a timely manner. got a great interest rate and the closing was as smooth as could be.
Melissa was very helpful and thorough the the whole process. Made it easy.
Wonderful 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
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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.