

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
As a first time homebuyer, the whole process was rather intimidating. Melissa was so helpful and communicative throughout the whole process, always discussing and explaining options and finding me ways to save, both upfront and down the line....
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Melissa was fantastic! She is extremely knowledgeable and handled the entire process with ease and professionalism. We will definitely use her again in the future and would highly recommend her to anyone!
Melissa was fantastic! She is extremely knowledgeable and handled the entire process with ease and professionalism. We will definitely use her again in the future and would highly recommend her to anyone!
Melissa was a great help with our home purchase. She was very thorough and responded to all of my questions in a timely manner. I would highly recommend Melissa to anyone who is looking to purchase a home!
Melissa is very knowledgeable with different types of mortgages. During the loan process, Melissa kept us in the loop at all times and did an excellent job with her follow up.
Melissa was extremely helpful as my partner and I navigated purchasing our first home. She answered all of our questions and responded in a professional, timely manner. I felt very comfortable asking Melissa to go over details and knew she...
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Melissa was truly AMAZING to work with. I came to her in desperation with only 20 days before my scheduled closing which is nearly impossible to make happen to begin with, especially with the new TRID regulations which have been delaying closings...
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Melissa was truly AMAZING to work with. I came to her in desperation with only 20 days before my scheduled closing which is nearly impossible to make happen to begin with, especially with the new TRID regulations which have been delaying closings...
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We used a VA loan with melissa, and through all the hoops we had to jump through with this loan, Melissa helped us every step and we closed on time and it only took 43 days, start to finish
I wholeheartedly recommend Melissa. She is professional, easy to work with, knowledgeable, and efficient. I was thankful to have her by my side during this process.
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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.