Bay City, Michigan Loan Officer Earl Bovia: Your path to homeownership starts here. With 21+ years of mortgage experience, Earl simplifies the lending process for first-time buyers, refinancers, and investors alike. He offers personalized guidance and clear communication, ensuring a smooth experience. As an Academy Mortgage direct lender, Earl controls your loan from start to finish, guaranteeing efficient closings. Explore Conventional, FHA, VA, USDA, MSHDA, and down payment assistance options tailored to your needs. Serving the Tri-City area (Midland, Saginaw) and beyond. Download Earl's mobile app for mortgage tools and contact info. Read verified reviews on Experience.com. Se habla espanol.