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
Working with Melissa was an amazing experience. I work very long hours during the typical business week and she accomadated my schedule and questions on nights and weekends. The communication was great and I felt that I had someone very knowledgeable...
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Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Amy, thank you so much for the glowing review! I'm delighted you had such a positive experience and that I could help accommodate your schedule. It's always my goal to make the mortgage process as smooth and understandable as possible. It was...
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Melissa continually worked on getting all we needed to bring this transaction to a successful close. She kept me informed throughout the process which gave me the opportunity to keep my seller informed along the way
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you Nancy! It was a pleasure working with you as well!
Quick resolutions when problems arised in the purchase of our home. Thank you for all your help!
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you so much for the positive feedback, Riviera! It was my pleasure to assist with your home purchase and ensure any challenges were addressed promptly. Your satisfaction is my number one goal. Thanks for trusting Prosperity Home Mortgage...
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Very smooth, drama free deal. Melissa kept the buyer and agent informed throughout the deal to ensure everyone was well aware of where we were in the process.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you Cody! It's always my goal to keep everyone informed throughout the loan process, I'm happy to hear that you felt I provided great communication. Looking forward to working with you again in the future!
Melissa is a great lender!!!
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you so much!! It is always a please to work with you! 😊
Our personalities were a good fit. Responsive to questions/tasks when asked and timely communication is key to any business transaction. Melissa is task oriented and eager to please. Very helpful and knowledgeable at what she does.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
I'm truly grateful for your positive feedback, Kitty. It was a pleasure to work with you and your satisfaction is my highest priority. I'm thrilled to hear that my approach was a good fit for you. At Prosperity Home Mortgage, we always strive...
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You did great! When we ran into issues you handled them well and we closed quickly after we resolved the few items
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you Austin! Always a pleasure and looking forward to working with you again! 😊
Melissa was very easy to work with and helped me 100% of the way. I'm very pleased with the process as a whole!
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you so much for your review, Caleb! I'm thrilled to hear that you're satisfied with your experience at Prosperity Home Mortgage. I try my best to make the process as smooth and straightforward as possible for my clients and I'm delighted...
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Melissa and her team were absolutely amazing!. They made our dream of home ownership come true. Can never thank her enough
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you for the nice review... and for trusting me with your home ownership dream!! Congratulations again! I am so happy for you!
When I did have questions towards the end she would respond or answer as soon as she could.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you for the nice review, Heather and for trusting me with your home financing! Congratulations again on your new home!
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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.