Earl Bovia Total Home Lending

Earl Bovia Total Home Lending Experience the Total Home Lending difference with Earl Bovia in Bay City, Michigan! With us, you can count on an efficient and stress-free homebuying process.

We are a local lender offering Conv, FHA, VA, USDA, and down payment assistance programs. Your Neighborhood Lender



Shopping for a home in Bay City, Michigan? Come see Earl Bovia at Academy Mortgage! He has been in the mortgage industry for over 21 years helping people like you obtain their goal of sustainable homeownership. Preparing to buy a new house is serious business. In fact, it may be

the largest single purchase you’ll ever make. As such, you want a great mortgage loan for your situation. That’s why clients choose Academy Mortgage. Academy Mortgage is a big company with a small-town feel. When you work with Earl Bovia, you can come in anytime to talk to him about your home loan choices or mortgage refinancing. He can help educate you about your options to get you ready for homeownership. Whether you’re wondering if mortgage refinancing could save you money or trying to find the ideal loan option for your first new home, come talk to Earl Bovia and the professional team at Bay City, Michigan. Academy’s business model allows Loan Officers to close loans as quickly as possible. That’s because everything is done in-house. From processing and underwriting to closing and funding — it’s all done locally. There are no mortgage brokers, bankers, or others to drag their feet and slow down the process. Your Home Loan Options



Many factors can affect the type of home loan that is right for you. Earl Bovia will take the time to fully review your credit and ask important questions about your specific situations. He can help you come up with a game plan to get you ready for homeownership. Whether you are looking to refinance your current mortgage, or purchase your first home, make an appointment today to come see Earl Bovia. Let their professional team help you find your ideal mortgage solution and experience the Academy difference. Earl Bovia 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.

Higher than expected inflation reports mean rates are likely to stay higher longer than previously expected. Meanwhile, ...
04/22/2024

Higher than expected inflation reports mean rates are likely to stay higher longer than previously expected. Meanwhile, house prices are expected to continue their rise. If you are qualified to buy now, waiting for lower rates on a higher priced home may not pay off. If you'd like to run the numbers, please reach out. Total Home Lending is an Equal Housing Lender.

04/15/2024

Tax Day has arrived! If you or someone you know is getting a refund and would like to put that money toward a home purchase, please let me know. I'll be happy to help! Total Home Lending is an Equal Housing Lender.

04/01/2024

Happy April Fools' Day! Here's hoping that no one puts your office supplies in Jell-O today! Whether you're the prankster, the pranked or the belly-laughing bystander, I hope you have a day full of good fun. Total Home Lending is an Equal Housing Lender.

03/31/2024

Happy Easter to all who celebrate! Hope you have an egg-cellent day and a hopping-good time! Total Home Lending is an Equal Housing Lender.

03/17/2024

Happy St. Patrick's Day! Wishing you the luck of the Irish, the pot of gold at the end of the rainbow, and all the four-leaf clovers you can fit in your pocket! Total Home Lending is an Equal Housing Lender.

I have some great news – I've just joined the team at Total Home Lending! This move supports my clients in accessing a d...
11/14/2023

I have some great news – I've just joined the team at Total Home Lending! This move supports my clients in accessing a diverse line of mortgage products, along with competitive rates and closing costs.

While the logo by my name has changed, it's my always top priority to offer my clients the best experience and products possible. I'm available to answer any questions and to plan your next purchase. I’ve just made a great move, and I’m here to help you do the same.

With Academy Mortgage, the homebuying process is stress-free! Our My Mortgage: Mobile app gives you the ability to uploa...
11/13/2023

With Academy Mortgage, the homebuying process is stress-free! Our My Mortgage: Mobile app gives you the ability to upload loan docs, chat with your homebuying team, and run numbers in our custom mortgage calculator. It’s that feeling when you realize we're here to make sure you're ready to go home buying, and not just house hunting – you can breathe a sigh of relief. Now you can start planning for your dream home, contact me today!

Don’t get caught in the cold! Before temperatures drop, test your heating system to make sure it’s working properly. If ...
11/10/2023

Don’t get caught in the cold! Before temperatures drop, test your heating system to make sure it’s working properly. If things seem off, I can make a recommendation for someone local to help. If you want more tips to help you prep your home for cooler weather, send me a message.

This is the question I get asked the most. Calculating your debt-to-income ratio (DTI) is a great place to start when de...
11/07/2023

This is the question I get asked the most. Calculating your debt-to-income ratio (DTI) is a great place to start when determining how much you can afford to spend on a home. Your DTI compares your monthly debt payments to your monthly income. Reach out for a complimentary mortgage calculator and together we'll figure out how much home you can afford.

Address

1901 S Euclid Avenue Ste 6
Bay City, MI
48706

Telephone

+19892456376

Website

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