Earl Bovia Total Home Lending

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.

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 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 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 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.

You’ve kept your lawn looking beautiful all summer. Don’t lose out on that hard work just because the temperatures are cooling off. Now is a great time to fertilize your lawn, rake leaves, and trim back any bushes or trees. If you don’t want to do it yourself, I’m happy to recommend someone who can help!

The market may be spooky, but I’m not afraid to help make your homeownership dreams come true, at a monthly payment that won’t give you nightmares. Give me a call today!

Picture this, you’re all snuggled up on the couch on a crisp fall morning enjoying your coffee. Nothing can ruin that vibe more than drafty windows and doors – not to mention its incredibly inefficient and could raise your energy expenses. Want to know more ways to make your home more efficient? Give me a call!

Some homeowners make extra payments when they can, while others schedule bimonthly payments. Paying ahead is just one way to save big: “https://tinyurl.com/2p8c995s?lo=Earl-Bovia”

Are you getting the most out of your mortgage? Contact me, and I can help you find out.

As leaves fall, consumer debt rises. Let me change that narrative! With record home equity, it’s time to take control. Consider paying off high-interest debts or securing cash for a rainy day. Your financial future can look brighter. Contact me today to explore your options and regain control of your finances!

5.0 star review received on Experience.com for Earl Bovia by Debra K - Earl is very responsive to both agents and clients.

New ★★★★★ 5 Star Experience.com Review by Debra K Click to see all 156 reviews of Earl Bovia, Loan Officer | NMLS # 79287

As a young homebuyer, you may not have much of a credit history or built up large savings—and that's ok! In fact, that could make it easier for you to qualify for down payment assistance! Academy Mortgage has programs that could help with your down payment, closing costs, or other costs associated with a home purchase. Maybe homeownership is more affordable than you thought. Message me for more info.

4.16 star review received on Experience.com for Earl Bovia by Taylor K - They were communicative with me every step of the way.

New ★★★★★ 4.16 Star Experience.com Review by Taylor K Click to see all 155 reviews of Earl Bovia, Loan Officer | NMLS # 79287

Working with a local lender can help you get a mortgage that won’t haunt you like ghosts this Halloween. There is more to consider than rate when you’re thinking about a new place to hang your broom. Give me a call and let’s find the right brew for you and your boo crew!

As cooler temperatures approach, you want to make sure your home is ready. Check your roof for any damage or leaks. If you need repairs, give me a call and I’m happy to make a recommendation for a local expert. Reach out if you want more tips on how to prep for sweater weather.

Current rates giving you goosebumps? I can help take the fear out of homebuying. You might think it’s scary out there, but I’m here to help take the fear out of homebuying. Give me a call and let’s talk about options that won’t scare you away.

You've been dreaming of being a homeowner, but are you clear on your homeownership goals? Buying a home is a big decision (and a BIG investment), so it's important to spend that money wisely. Think about where you want to live, what type of home you want, and even how long you want to be there. Regardless of your vision, we're here to help! Have questions on if you're making a wise investment? Give us a call!

One of the best parts about fall is that the leaves change color. But those beautiful leaves could cause a lot of damage if left unattended. Make sure to clean your gutters to prevent clogging or water damage to your home. Need some help? Message me and I’m happy to provide a local recommendation.

Right now, everyone’s looking for ways to step up their social media game to stay visible. So, how do you do it?

Dig into LinkedIn, an under-used and often under-estimated platform, using these tips: “https://tinyurl.com/2zc2zfa4?lo=Earl-Bovia”

You can also reach out to me if you’d like some social graphics to share with your audience!

5.0 star review received on Experience.com for Earl Bovia by Jeffrey S - Overall everything was quick and easy

New ★★★★★ 5 Star Experience.com Review by Jeffrey S Click to see all 153 reviews of Earl Bovia, Loan Officer | NMLS # 79287

So is everyone else! As rates go down, demand increases. When demand increases, home prices are likely to increase. There is more than rates to consider when you're thinking about buying a home. Call me for a personalized assessment and let's see if now is the right time for you to buy.

BIG plans can come at a price. If you have heavy debt from student loans, you may be hesitant to take on more with a mortgage to buy a house. At Academy Mortgage, we recognize that buying your first home is a BIG decision, and we have the tools to help you evaluate your options. Give me a call and let's see how together we can set those plans into motion.

With all that’s going on in the housing market, homebuyers want to know: Should I buy now or wait? Here’s some insight: “https://tinyurl.com/2rp7m5f9?lo=Earl-Bovia”

P.S. If your clients want a detailed answer, I’m only a call or an email away! I can run some numbers and let them know when it makes the most financial sense to purchase.