Northwest Bank

We specialize in Physician loan lending at Northwest Bank. Northwest Bank is a $15 Billion-dollar regional bank that has organically grown from a community bank that was founded in 1896 in Bradford PA. Winner of 6 JD Power awards including highest customer satisfaction with retail banking and the most trusted bank in Pennsylvania, also voted America’s best banks by Forbes and Time Money magazine, Northwest Bank puts customer service first. With over 25 years of mortgage lending experience specializing in Physician and Private Client lending we provide my clients with transparent and honest mortgage advice that helps each individual client achieve his or her goals. We work with a dedicated assistant, processor, and underwriter who all understand Physician loan lending to deliver an experience that exceeds your expectations, let our experienced team help you achieve your dream of home ownership.

Loan Officers

Robert Amico (NMLS #58999)
EMAIL:  [email protected]
PHONE:  716-867-7149


Fellows and Attending Physicians: $0 down up to loan amounts of $950,000 with $0 PMI. 5% down up to loan amounts of $1,250,000 with $0 PMI. 10% down up to loan amounts of $1,500,000 with $0 PMI. Loan amounts over $1,500,000 please email or call. Deferred student loan payments do not count in qualifying debt ratio, can close up to 60 days before job start date with signed Physician Contract. *Resident max loan, $647,200 with $0 Down and $0 PMI.


MD, DO, DDS, DMD, Resident, Fellows, OD, DPM


1-4 unit primary residence, can close before starting job, flexible Portfolio Lender, dedicated Physician Loan Mortgage Team, Low Rates, Physician Loan Priority Processing and Underwriting, Close on time, e-sign, automated milestone communication sent to Physician and Realtor (Appraisal In, Commitment Letter completed, Final approval, etc…), and available 24/7 via phone, text , and email.