Physician Mortgage Specialist

Emrah Sero

Mortgage Loan Originator, NMLS #1313035  |  Lake Michigan Credit Union

“Making physician mortgages easier, smarter, and tailored to your career path — with a specialty in complex scenarios that other lenders walk away from.”

Get Pre-Qualified Today
Lending In: Michigan • Construction Loans Available in Michigan & Florida
Emrah Sero physician mortgage loan originator Lake Michigan Credit Union

About Emrah Sero

With over a decade of experience in the mortgage industry, Emrah Sero specializes in helping doctors, dentists, and medical professionals secure financing that fits their unique financial picture. Based in Grand Rapids, Michigan, Emrah works with Lake Michigan Credit Union to deliver physician mortgage solutions that go well beyond the standard playbook.

Emrah understands that physician income isn’t always straightforward. Whether you’re transitioning from residency, managing variable or self-employed income, or purchasing a unique property, he provides solutions designed specifically for you. While simple loans are handled seamlessly, Emrah truly thrives on complex scenarios — turning challenges into approvals.

His goal is simple: make getting a mortgage easier, smarter, and tailored to your career path — so you can focus on what matters most. If you’re a medical professional looking for a mortgage expert who understands your world and knows how to get deals done, Emrah is ready to connect.

Eligible Medical Designations

MD DO DDS DMD DPM DVM Residents Fellows

Deferred student loan debt is not included in qualifying calculations, making this program especially favorable for residents and fellows just entering practice.

Physician Loan Financing Tiers

100%
Financing up to $1.25 Million0% down payment required*
95%
Financing up to $1.5 Million5% down payment
90%
Financing up to $1.75 Million10% down payment
Jumbo
Loan Amounts up to $2.5 MillionHigh net worth financing available

*0% down available up to $1.25M. Loan approval subject to credit approval and program guidelines.

Key Program Details

Mortgage Insurance
No PMI Required
Cash Reserves After Closing
No Minimum Required
Student Loan Treatment
Deferred debt excluded from qualifying calculations
Construction Loans
Available in Michigan and Florida
Income Types
Variable, self-employed, and transitioning residents welcome
Specialty
Complex scenarios, high net worth financing

Emrah’s Team

Assistant
Tara Potter
Assistant
Jay Mendez
Contact Emrah Sero
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InstitutionLake Michigan Credit Union
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NMLS#1313035
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Office2024 Celebration Dr
Grand Rapids, MI 49525
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WebsiteLMCU.org
Apply Now Schedule a Call
Program Highlights
0% down up to $1.25M
Loan amounts up to $2.5 million
No mortgage insurance (PMI)
No minimum cash reserves after closing
Deferred student loans excluded from DTI
Residents and fellows eligible
Variable and self-employed income accepted
Construction loans in MI and FL
Complex scenarios welcome

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