

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 helpful and was willing to help us outside of business hours which we are greatful for!
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
I'm thrilled to hear that you found our service satisfactory, Ross! It's my goal to provide a seamless and flexible service to all my clients, no matter the hour. Your kind words and positive rating truly mean a lot. I'm here to help you anytime...
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Melissa was there for every question I had in a timely manner. Being a first time homebuyer, this went as smooth as it could have and the whole process was as stress free as it could have been.
Melissa did a great job throughout the whole process. Working with her for the second time I would highly recommend her.
Good job Melissa!
Being a first time home buyer was a bit scary along with many unknowns. Melissa helped ensure I knew exactly what I was doing and was always able to answer any questions I had.
Clear and responsive communication.
Amazing job, once again Melissa!! Rescuing a Big-bank deal gone array.. and bringing all of us to closing, with a 6 day turnaround. Plus a re-appraisal! Awesome, awesome work, and all the more reason to start with you, or have you as a backup...
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Melissa is great to work with! Always available for questions and a huge help in explaining the process when there are questions. Love working with her!!
Melissa came in to recover this transaction. The original lender could not come through with the original loan, and Melissa came in and saved the day!
Melissa went above and beyond for us through the loan process as first time home buyers! She remained patient dealing with our million plus questions. 10/10 recommendation.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
I'm thrilled to hear your positive feedback, Heather! Assisting first time home buyers through the loan process is always a unique and rewarding experience. Your million plus questions were more than welcome, as my goal is to ensure you feel...
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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.