

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 was available when needed. Very helpful when internet items were needed and I had problems. Very nice personality.
Melissa and her team are fantastic to work with. They communicate deadlines and expectations and are always available for any questions. Thanks to them, we were able to close sooner on our home than we expected.
Melissa provided great communication throughout the entire process!
You kept us informed very quicky on information we needed to know.
Melissa was there working with me diligently, never said no and made things happen fast and stress free. Thanks to Melissa, getting the mortgage and buying this home was smoother and easier than getting a meal at the drive-thru
Melissa is very easy to work with
It was fantastic working with Melissa and we were so thankful everything went through and we were able to purchase our first home for our family.
There was alot of miscommunication between the underwriter, mellisa, and ourselves, we felt like we would lose our offer on our house because of issues that were brought up 2 weeks before closing that they had the information about 3 weeks...
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Melissa was so helpful in answering all of my questions in a very timely manner; even on Friday evenings she would respond to my emails.
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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.