Se habla espanol. Earl Bovia is a Mortgage Loan Officer serving Bay City, Michigan. He has been in the mortgage industry for over 21 years; helping people like you obtain their goal of sustainable homeownership. Earl truly understands that mortgages and lending can be unfamiliar territory for many. Over the years he has had the opportunity of working with people who have a wide variety of situations and has helped them achieve their financing goals. Whether you are a first-time homebuyer, refinancing or buying your third investment property, Earl will guide you through the loan process seamlessly by providing quality communication and advice. Earl can provide a wide range of home loan options that makes the most sense for your situation. What are the benefits of working with an Academy Mortgage Loan Officer? The thing that makes Academy so great to work with is that we are a direct lender. This means each branch and regional office is equipped to complete the entire loan process in-house. Earl will be in control of your loan file throughout the entire process. This system allows for continuous communication and has given us a proven track record of closing loans quickly and efficiently. Download Earl's My Mortgage: Mobile App today for a trusted mortgage calculator and his contact information. Does it sound too good to be true? See Earl's impressive rating and reviews on Experience.com. Earl offers Conventional, FHA, VA, USDA, MSHDA, or down payment assistance loans servicing the Tri-City area and beyond including Midland, Saginaw, and Tuscola, Arenac, and Genessee Counties.