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 did a comprehensive job in the sale and purchase of our house. There were several items that needed to be handled during the process and she handled all of them professionally and with attention to detail. I would highly recommend her...
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I've known Melissa for over 7 years and she's a great person to work with. Always a good communicator and on top of her game. I highly recommend her.
I've known Melissa for over 7 years and she's a great person to work with. Always a good communicator and on top of her game. I highly recommend her.
Melissa is awesome to work with. She is very responsive and helpful. We've had numerous transactions together and have closed every one on time. I recommend Melissa to everyone. Sheila Ferrin
REALTOR
Melissa is awesome to work with. She is very responsive and helpful. We've had numerous transactions together and have closed every one on time. I recommend Melissa to everyone. Sheila Ferrin
REALTOR
I trust Melissa because she was so upfront and helpful with every step of the process. She did a great job and we closed on time!
I trust Melissa because she was so upfront and helpful with every step of the process. She did a great job and we closed on time!
Melissa was very helpfull in helping us with financing our home. She was very knowledgeable and informative with any questions we had. She was very quick with answers to questions we had and helped us through the process with confidence.
Melissa D. Karcher has received a review with 5 star rating from Tiffany B
Melissa D. Karcher has received a review with 5 star rating from Tami F
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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.