

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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Melissa is very responsive and knowledgeable.
There is a lot that goes into buying a house. Melissa made sure we had everything we needed and made what seemed impossible at times a reality. We couldn’t be happier with our new home. If you have any doubts about your chances of qualifying...
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Thank you so much for all your help with our home buying, you made the process as painless as possible and always kept us informed, we appreciate all your hard work!!
Melissa made my home buying experience nothing short of smooth sailing. She was relatable, personable and professional. She completely exceeded my expectations. I never knew buying a home could be so seemless. Everything was taken care of perfectly....
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Melissa made this home sale completely smooth sailing. She was on top of everything! Personable, relatable, precise in communicating what needed to be communicated & experienced. EXCELLENCE SERVICE. Completely exceeded my expectations . Thank...
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Melissa was so easy to work with, patient and explained everything to me. She also responded to my question post closing as fast as she did prior to close. I would highly recommend her!
Everyone was incredibly helpful and was able to answer all of my questions which really helped make this a smooth process.
It all went smooth and quick
Melissa was great to work with and she made our home purchase easy. Outstanding person.
Melissa went above and beyond what I thought should happen. She made the entire process very easy for me and very easy to understand. I would recommend her to anyone who needs help with the loan process. Thank you so much for all of your help!...
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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.