

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 was very thorough, prompt and helpful throughout my first home buying experience. Highly recommend!
Any questions I had were answered timely, process took very little of my time.
Very easy to talk and work with Melissa.
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It was a pleasure working with Melissa. She is pleasant, efficient and explains things very well. The portal for e signing is very user friendly. Acquiring our mortgage loan was a very simple and smooth process. We look forward to working with...
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Melissa was great to work with. She was polite, friendly, very helpful and always quick to respond when we had any questions and or needed anything at all. I would highly recommend to anyone looking to finance a home.
Melissa was great to work with. She was polite, friendly, very helpful and always quick to respond when we had any questions and or needed anything at all. I would highly recommend to anyone looking to finance a home.
Everything was made simple and all of my questions got answered!
Melissa's knowledge made it easy to find a loan program that worked for me. I was a little timid buying my first home, but she made the process very simple. Not only did she have answers to all of my questions; she was always available when...
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It was a fast seamless process, Melissa answered all of our questions quickly and throughly. I would definitely recommend to anyone.
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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.