Earl Bovia

Loan Officer
NMLS # 79287
State Lic MI #79287

It’s all about service at Academy Mortgage, and our company has been meeting the needs of homebuyers across the United States since 1988. I joined Academy because of its strong reputation for integrity—based mortgage lending, its unwavering commitment to responsible lending practices, and for its broad portfolio of mortgage solutions and tools.

Since joining Academy, I have helped many individuals and families attain the dream of homeownership. Whether you want to buy a new home or refinance an existing mortgage, I will provide a customized solution for you at competitive rates. No brokering, no middleman, no hassle, no surprises.

Academy is a direct lender, which means that my Branch and Regional Offices are equipped to complete the entire loan process in—house—all loan processing, underwriting, closings, and funding are handled locally. As a result, we have a proven track record of closing loans as quickly and efficiently as possible

I will be in control of your loan file from start to finish, and I will be up—to—date on the status of your loan at all times. I understand the importance of maintaining continuous communication throughout the loan process and commit to providing you accurate, timely, and honest mortgage advice.

I invite you to put us to the test. Let me show you how simple and easy securing a mortgage can be.

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.

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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