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
Excellent, problem free closing. Great communication the entire time. Thank you!
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
I'm so happy to hear that you had a smooth and successful closing process, Teresa. Communication is key in these matters, and I'm glad we were able to maintain a great channel throughout. Thank you for your generous rating and for choosing...
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Melissa took the time to answer all our questions and did a great job getting us the loan that fit our needs.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
I'm thrilled to hear that you were satisfied with the loan process, Anthony. It was my pleasure to answer your questions and find the loan that best fits your needs. Your satisfaction is my top priority and I'm glad I could deliver. Thank you...
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Simple, efficient process
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
I'm thrilled to hear that you found our process simple and efficient, Steven. It is our mission at Prosperity Home Mortgage to make every step as smooth as possible for our customers. Your 5-star rating is greatly appreciated and it was a pleasure...
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Great communication and timely responses. Very knowledgeable
Reply from Melissa Karcher
December 31st, 2024 05:01 PM
Thank you, Alex, for the positive review.
Great communication, and she got us the best possible mortgage rate.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
I'm truly grateful for your positive feedback, Branden. It was a pleasure to facilitate your home purchase and I'm thrilled to hear that you're satisfied with the mortgage rate we secured. Here at Prosperity Home Mortgage, we strive to provide...
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Good communication
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thanks Tom! Always a pleasure working with you!
Melissa was great at communicating and letting us know what was needed and letting us know where we were at in the buying process. She was very gracious and patient with us. she was very upfront with us and helped us get our home. we are very...
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Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you so much for such positive feedback, Zach! It was indeed a pleasure assisting you throughout the home buying process. My main goal is always to make the process as smooth and understandable as possible for my clients. Hearing that...
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She had answered all of my husbands very specific and detailed questions. Her software that breaks down all types of loans and options was extremely helpful.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
I'm so pleased to hear that you found my services helpful, Alyssa. Being able to clarify your husband's specific and detailed questions is part of my commitment to ensure that you're both well-informed and confident in your loan options. I'm...
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Melissa was supportive and a great communicator through the entire process. All positive things to say with zero complaints. Thanks Melissa.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
I greatly appreciate your kind words and the time you took to share them, Nancy. It's wonderful to hear that you felt supported and well-informed throughout the process. It was my pleasure to assist you, and I'm thrilled that you had a positive...
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Melissa was just great in getting my buyer the loan and closing on time. She answered all our questions regardless of time of day.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
I sincerely appreciate your positive feedback, Carrie. It was my pleasure to navigate the loan process with your buyer, ensuring we met all deadlines. Please don't hesitate to reach out at any time, as I'm committed to providing continuous...
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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.