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
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24 hours
Fri
24 hours
Sat
24 hours(Open now)
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Reviews from Web
Melissa was the expert we needed to help walk us through the mortgage process. She was flexible to meet with us with our odd schedules and she always answered our questions in great detail. Melissa guided us through every step in the process....
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Reply from Melissa Karcher
December 31st, 2024 10:26 AM
I'm delighted to hear about your positive experience, Todd! It was my pleasure to navigate you through the mortgage process at Prosperity Home Mortgage. It's always important to me that my clients understand each step, as I believe it's key...
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They were able to help us overcome any hurdles for a quick closing.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you for the high rating and positive feedback, Conner. I'm glad to hear that you were able to successfully manage any challenges that came our way for a quick closing. It was my pleasure to assist you with your loan purchase. Here at...
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Melissa was very professional, answered our questions thoroughly, and got back to us quickly.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
I am thrilled to hear such positive feedback, Angela! I strive to provide a thorough and prompt service, so it's wonderful to know that you're satisfied. Always here to help you with any future mortgage needs at Prosperity Home Mortgage. Thank...
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Having to constantly resubmit documents was bothersome. But perhaps this is just the mortgage process.
Reply from Melissa Karcher
January 6th, 2025 02:33 PM
I am sad that you were disappointed with your experience. Thank you for the feedback so that we can learn and improve.
Melissa made is quite easy to apply and obtain a mortgage loan. Being my first home. She walked me through the process and answered any questions I had along the way. Very helpful and happy with the outcome.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you so much for your feedback, Clay! I'm thrilled to hear that you had a positive experience with your first home purchase. Your satisfaction is my top priority, so I'm glad that I could make the mortgage application process easier for...
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Answered any questions I had in really quick manner and made process easy for first time buyer.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
I appreciate your positive feedback, Derek! I'm glad I could assist in making your first home purchase a smooth experience. It's important to me that all your questions are answered promptly and that you feel confident during the process. Your...
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Consistently communicated effectively, regardless of what was going on in her personal life.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you so much for the positive review Kobe. And, I truly appreciated your understanding as I was going though a difficult family time. I am so happy for you and Annie and hope you love your new home!
She was very responsive and detailed in all of her communications
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thanks so much for the positive review Brian. I am so glad that you had a good experience with your home purchase! Congratulations on your new home!
Melissa’s hard work and prompt responses made the transaction possible.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thanks so much Jim! It is always a pleasure to work with you!
She always gets back to me and my clients in record time and does her best to get the best options in front of the client
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you so much, Angela, for your kind words and high rating. It's always my goal to provide swift and effective responses to you and your clients, ensuring a smooth purchase process. I aim to present the best options tailored to the client's...
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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.