Melissa Karcher #alender2trust NMLS 470140

09/23/2026

Big news! I’ve moved to 𝐁𝐚𝐧𝐤 𝐅𝐢𝐯𝐞 𝐍𝐢𝐧𝐞, as a Mortgage Lender.

Helping people reach their homeownership goals has always been meaningful to me, and I’m excited to continue supporting clients with a knowledgeable, approachable, and personalized experience.

I’m looking forward to this new chapter and to staying connected with all of you!

Please help us welcome Melissa to our Mortgage Lending team here at Bank Five Nine!
With more than 20 years of mortgage industry experience, Melissa loves helping people achieve their homeownership dreams, especially first-time homebuyers. She brings expertise in VA loans, FHA loans, and down payment assistance, and is proud to serve customers throughout Central and Northern Wisconsin.

When asked what she enjoys most about mortgage lending, Melissa shared: “Buying a home is a life event and I love being part of it. And, as it is a life event, I take it very seriously to do everything I can to make it a good experience.”

Outside of work, Melissa enjoys golfing, gardening, fishing, skiing, and spending time with her family.

To contact Melissa visit: https://www.bankfivenine.com/banker/mortgage-lenders/melissa-karcher/

09/23/2026

The importance of a home inspection so you don't turn into the poor soul who curses the previous owner! 🤣

https://www.facebook.com/share/r/1DYQijU7hH/

08/17/2026

Let’s talk Credit Scores — specifically how credit cards can impact them.

Since your credit score can affect your mortgage options, interest rate, and monthly payment, understanding how credit cards work is a smart first step.

08/05/2026

Experience matters! It’s one of the reasons my clients say I am .

08/04/2026

Credit scores - Credit cards Part 1https://youtube.com/shorts/tU4h3i_9TDk?feature=sharedhttps://youtube.com/shorts/tU4h3i_9TDk?feature=shared

Learn what actually plays into your credit score and tips and trick...

07/22/2026

House hunting is the fun part — let me handle the mortgage part! From pre-approval to closing, I’m here to make the financing side feel a whole lot less scary and a lot more doable. Let’s turn that dream home into a real address. ✨

05/15/2026

Just graduated? Here's something you might not know: your college or tech school years can count as employment history for a mortgage!

That means if you have a job lined up in your field, you could be eligible to buy a home right after graduation. 🎓🏡

04/25/2026

🌅 Your dream vacation home is closer than you think.

Imagine waking up to lakefront views —not just for a week, but whenever you want. Vacation home financing makes it possible to turn your getaway dreams into your second address.

Ready to make "see you at the lake house" your new family tradition?

Contact me to explore your options 🔑

03/06/2026

🏡🎓 Ready. Set. Buy!! — Learn How to Make It Happen! 🎓🏡

Buying a first home can feel overwhelming — but it doesn’t have to be! Join our upcoming First-Time Homebuyer Webinar to learn everything needed to move from dreaming to owning. 💡

📅 Date: March 25, 2026
🕒 Time: 5:00pm - 6:30pm
💻 Location: Online — join from anywhere!
Event Page: https://www.facebook.com/share/1MZ1NWgt8V/

Reserve a spot today and take the first step toward owning a dream home. ✨
Spots are limited — so claim now and sign up at: https://forms.gle/pe1a82i5CAkjtQNT7

️Hosted by: Wesbrock-Coldwell Banker Action Realty & Karcher-Peoples State Bank