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
Melissa and her team were promt to reply, they were also knowledgeable and professional. The process from start to finish was very smooth.
Melissa was great to work with. She was super responsive and helped me work through the hiccups. She also got me a great low interest rate. Thank you Melissa, I recommend working with her to anyone.
Every question i asked was answered very quickly and I was very pleased with the wealth of knowledge. I was extremely happy with the quickness on the closing. I would definitely happy with the service I received with Melissa Karcher and the...
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Someone was always available to answer questions!
Easy, quick, and good at explaining things
I always felt like Melissa was very knowledgeable with the ever changing circumstances affecting the market. She provided excellent advice, always presented multiple options and made sure I understood my decisions. Her team was also fantastic....
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Overall, the process was smooth (except some of the electronic forms). Melissa was supportive. The part that was frustrating was it took weeks to get final approval and then PHM wanted proof of the down payment funds within 2-3 days. That was...
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Melissa was amazing to work with. She was efficient, knowledgeable, and available to answer all our questions. Melissa clearly knows what she’s doing and was able to prepare us for underwriting in a smooth and painless process. We are so grateful...
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She understood what we wanted and helped us to find it
Melissa was a great thought the whole loan process! She was very quick in her responses and worked very quickly to get my house loan where it needed to be. She was amazing!
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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.