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
Her availability allowed us to switch loan types to better suit our needs on the final day of offers allowing us to seal the deal on our dream home…and this was on a Saturday!! Thanks Melissa for playing such a big role in making this a successful...
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Melissa goes above and beyond to provide timely services.
No problems
I don’t want to give a review
Thank you, Melissa! It was a pleasure to work with you!
- promptly answering questions
- showing multiple scenarios of down payment / paying down interest rate
- able to close on the home early
- often even answering questions during the weekend
- easy paperwork signing experience
Close early. Appreciate all you did!
I shopped around for a mortgage due to not having the best credit. Melissa took the time to explain my options where the other mortgage lenders basically told me what they could do but did not offer explanations.
She was great and offered my client the best deal while competing with 2 other lenders
Melissa was very communicative throughout the process. Thank you!
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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.