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 fast and efficent. She was great at getting back to us when we had questions or concerns.
Melissa was fast and efficient
It was great having someone to ask questions to and help walk us through all the steps. Being able to get paperwork signed electronically was helpful.
I got sound and honest advice, also answered all my questions.
The quick turnaround time combined with the rate and closing costs blew my mind! I was very impressed with Melissa and Prosperity and wouldn't hesitate to recommend them.
Melissa made the entire experience, from start, to finish absolutely painless. It was a pleasure working with her. She made the home buying process very enjoyable.
Melissa was very helpful with our lending needs for our relocation. Hands down that this was one of the best experiences that we have had.
Melissa was amazing since day one. She always kept in contact with us regarding the entire process. She went above and beyond assisting us with any questions and/or concerns. She was always friendly and professional. I would recommend Melissa...
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When we started out looking for a home we fell into a different bank that was not clear on many different aspects and left us hanging with several different questions and also issues that turned out to be way different than what were communicated...
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Melissa was great with communicating what information was needed and took the time to explain what items where needed and why.
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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.