

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
Just the fact Melissa help make what I thought was a long shot a reality
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you for trusting me with your dream!! I am so very happy for you and your family! Congratulations again!
Outstanding level of service. Melissa is passionate and super professional about her job. She was just amazing every step of the process
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you so much for the nice review Saul. I am so happy for all of you! Enjoy your new vacation home!
Melissa would always keep in touch with us and got back to us in a timely manner. She made the financing experience pleasurable.
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you so much for the nice review Charlene. I am so happy for you! Enjoy your new home!
Having great help with questions
Everything was easy and all my questions were answered and explained well
Reply from Melissa Karcher
December 31st, 2024 10:26 AM
Thank you so much for the nice review Charlene. I am so happy for you! Enjoy your new home!
Communication was timely and all of our questions were answered in an excellent way.
It was a great experience
Melissa was very knowledgeable and easy to work with.
What an amazing experience! Above and beyond… Melissa is not only a loan officer but a super amazing professional in every aspect of her business.. she has been a 10 plus star.. Commitment, service and most importantly she cares…. Not only...
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With a tight window to close, Melissa was extremely collaborative and communicative which allowed for an fast and smooth process that hit our deadline.
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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.