Matthew Garnes Adams
Senior Loan Officer | NMLS #1035056
Matthew Garnes Adams, Mortgage Banker & Team Builder (NMLS #1035056) with NOVA Home Loans in the Philadelphia area. I’m expanding my East Coast
footprint while maintaining a strong West Coast presence. For 25 years I’ve delivered one promi... Show More
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Reviews from Web
My only issue was when we were waiting for final approval tha our loan was approved - not much communication - felt a biy bit in limbo
Reply from Matthew Garnes Adams
April 7th, 2026 01:48 PM
Thank you for sharing your feedback, Elizabeth. I apologize if there was a period of uncertainty during the final approval stage. Clear communication is important to me, and I appreciate your patience. If you have any further questions or concerns,...
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Exellent communications.
Reply from Matthew Garnes Adams
February 16th, 2026 02:40 PM
I appreciate the feedback on my communication, Shoshana. Ensuring clear and effective communication is a top priority for me. If you need any further assistance or have more questions, feel free to reach out at any time.
Matt and his team did a very TOP-NOTCH job for my home loan. He is very professional and very prompt and returns calls immediately!! He answered ALL my questions and always let me know what was next in the process. I would recommend him and...
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Reply from Matthew Garnes Adams
February 2nd, 2026 05:54 PM
It's great to hear that your experience with the home loan process was so positive, David. Providing professional and prompt service is a priority for me, and I'm glad I was able to assist you effectively throughout each step. Knowing that...
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Matt was great to work with, he went above and beyond to make this transaction happen for his buyer client - quickly and efficiently.
Reply from Matthew Garnes Adams
January 26th, 2026 02:24 PM
Dianne, it's wonderful to hear that your experience was positive. I always aim to make transactions smooth and efficient for my clients. Thank you for your kind words, and if there's anything else I can do for you, please let me know.
Being walked through everthing step by step . Very responsive to my phone calls . Matt was amazing !
Reply from Matthew Garnes Adams
January 26th, 2026 07:02 PM
I'm pleased to know that you found the step-by-step guidance helpful, Dawn. Keeping communication open and being responsive to calls is truly important to me. Your positive experience means a lot, and I'm here if you need any further assistance....
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need to give client more clarity when buying a house!
Reply from Matthew Garnes Adams
January 2nd, 2026 07:49 PM
Your feedback is invaluable, Denise. Clarity is crucial in real estate transactions, and I’m committed to ensuring my clients have all the information they need. If there's anything specific you'd like to discuss or any additional details you’re...
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Matt made this a great experienc, he made this experience feel as if we were friends.
Reply from Matthew Garnes Adams
December 29th, 2025 03:10 PM
It's great to hear that you felt comfortable and at ease during the process, Brian. I strive to create a welcoming environment for my clients, and I'm glad that came across in your experience. If there's ever anything more I can do for you,...
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Matt answered all the questions I had, anytime I had them. He and his team were very insightful with the knowledge and guidance they provided. He got me to my target price point and helped me pick the best loan option for me.
Reply from Matthew Garnes Adams
December 24th, 2025 02:18 PM
I'm happy that I could assist you in reaching your target price point and finding the loan option that best suits your needs. It’s important to me to be available for any questions you may have, and I'm glad you found the guidance insightful....
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Failed to return calls, seemed to be a day behind in the process, never met in person
Matt Garnes finds ways to help his clients. He is smart really smart.
steve yellen
Reply from Matthew Garnes Adams
December 17th, 2025 03:53 PM
I'm glad my efforts to assist are appreciated. It's always my goal to provide smart solutions that meet my clients' needs. If you ever have more questions or need further assistance, I'm just a call away.
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About
Matthew Garnes Adams, Mortgage Banker & Team Builder (NMLS #1035056) with NOVA Home Loans in the Philadelphia area. I’m expanding my East Coast
footprint while maintaining a strong West Coast presence. For 25 years I’ve delivered one promise: excellence for clients and Realtor partners—defined by
speed, certainty, and communication. We pre-underwrite so offers compete like cash, provide same-day updates to buyers and both agents, and manage hard KPIs: speed-to-lead, pre-approval turn times, and app-to-close pull-through. NOVA Home Loans is 45 years strong, licensed in 30+ states and growing with
boutique attention and enterprise execution.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Specialities
New Home Loans
Jumbo loans
FHA Loans
VA Loans
Conventional Loans
Refinance Loans
HELOC
Bank Statements, DSCR, no ratio, STR - Non-QM
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Positions
- NOVA Home Loans - Senior Loan OfficerJul 1st, 2017 - Current
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1980
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS #1035056
- CA
- AZ
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Disclaimer
"Matt Garnes, Senior Loan Officer, NMLS #1035056 | Nova Financial & Investment Corporation, DBA NOVA® Home Loans, NMLS #3087 | BK 0902429 | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act #4131230. Also licensed by the CA-DFPI under the CFL #6036566. Loans made or arranged pursuant to a California Financing Law License. | 123 S Broad St Suite 1538 · Philadelphia, PA 19109 | Branch NMLS #2595840 | Phone: 702.526.3133 | www.nmlsconsumeraccess.org | https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3087 | Licensed by the Pennsylvania Department of Banking and Securities | Equal Housing Opportunity |
Consumers wishing to file a complaint against a Mortgage Banker or a Licensed Mortgage Banker Residential Mortgage Loan Originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the Department’s website at www.sml.texas.gov . A toll-free consumer hotline is available at 1-877-276-5550.
The Department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the Department’s website at www.sml.texas.gov. | "