Earl Bovia

Loan Officer
NMLS # 79287
State Lic MI #79287
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 Zillow

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.

Home Mortgage Tools


How much will my fixed rate mortgage payment be?

This calculator computes the payments (principal and interest), based on home price, down payment, and other factors.


How much mortgage might I qualify for?

This calculator computes the finance amount, based on income, expenses, credit rating, and other factors.


How much home can I afford?

This calculator computes the most expensive house you can buy, based on the highest payment you can afford.


How much will I save by increasing my mortgage payment?

Increasing your payment will reduce the principal on your mortgage, the total amount of interest you’ll pay, and the number of payments.

Print page

Earl was great, very personable and friendly. Always kept me updated on what was going on.

—Annette Hahn

Earl Bovia was extremely helpful throughout the process. I was grateful for his interaction.

—David Roehm

Earl was great to work with he was always avalible to answer any questions I had.

—Michael Shepherd

We could not be happier. Everyone was so much help and worked very diligently on this loan.

—Kendra Martin

Everyone I worked with really made me feel like they were doing the absolute most to get me financed for a home. Especially Earl Bovia

—Shannon Boyk

Earl was excellent to work with on the loan!!!

—Lesley Jacobs

Earl Bovia was great to work with!

—Ali Smith

Earl was awesome and everyone helped me even when my anxiety level went through the roof. From a situation that had nothing to do with Academy. They helped me and stayed professional and got the job done in two and a half weeks!

—Brittany Counts

Earl is Great to work with.

—Shelly Vantol

It felt like a life saving moment when I was told I wouldn't be able to get the loan through the institution I was initially working with. So glad I switched! Not one regret!!

—Katelyn Ellison

Earl Bovia went above and beyond. He is a true asset to Academy.

—Brent Browning

Earl made the mortgage process easy for the buyer and we closed quickly. Great job!

—Amy Becket

Nice Job from the whole company. Not bad for Earls first day.

—Wade Eckenrod

I feel extremely confident that Earl Bovia will take care of my friends and family as well as he did me. :)

—Leonard Meisel


—Shelly Vantol