

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 a great asset to our home buying experience! It could not have gone better!
Melissa is always great to work with! Very responsive, knowledgeable and always happy to help! Thanks as always for a great job Melissa!
Excellent communication and immediate responses made this process easy.
Took a lot of stress out of the home buying process!
Answering all my questions and letting me know every option available, as well as going above and beyond to answer my questions right away even after business hours into the night and on weekends
Melissa made the process much less stressful and answered all of my questions, no matter the day or time. She explained everything so well and was with me every step of the way!
You were right on top of things it was easy and professionally done plus you save me a lot of money which I very much appreciate it. You made the whole house buying very easy and very professionally done you were kind you understood what we...
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Melissa is a godsend she helped us acquire our home with very little help on our side she did everything she's a true professional and I highly recommend her to anyone that is looking for a home mortgage. If you had any questions she had the...
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You guys made it all go smoothly
Good communication, helped at every step, overall made the process easy and straightforward.
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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.