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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Matthew Garnes was outstanding throughout the entire process. He respond to all our questions and made a smooth and easy process. Thank you so much for helping us achieved our dream. I highly recommend Nova Home Loans!!
Reply from Matthew Garnes Adams
December 2nd, 2025 04:27 PM
I'm really pleased to hear that the process went smoothly for you. Responding to your questions and making things straightforward is important to me, so I'm glad it was helpful. Thank you for recommending Nova Home Loans. If you ever need assistance...
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Amazing service! everything explained clearly, kept me updated, and made sure the loan process went smoothly. Truly appreciated their professionalism and support
Reply from Matthew Garnes Adams
December 2nd, 2025 03:28 PM
I'm pleased to hear that you found the loan process smooth and the service clear. Providing updates and ensuring everything is explained properly are important to me, and I'm glad this was beneficial for you. Should you have any questions or...
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is an outstanding lender very knowledgeable. It's communication is over the top. I highly recommend him to anyone looking to buy a home or refinance. He is the only lender I prefer to work with
Reply from Matthew Garnes Adams
December 1st, 2025 04:30 PM
I'm grateful for your recommendation and appreciate your trust in my work. Ensuring clear communication and being knowledgeable are priorities for me, and I'm pleased to know these efforts have made a positive difference in your experience....
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Matt lead us through the entire process with ease! A total expert - communicative, knowledgeable, and friendly.
Reply from Matthew Garnes Adams
November 24th, 2025 01:49 PM
It's wonderful to know that the process felt smooth and that you found my approach helpful. Being communicative and knowledgeable is a focus for me, and I'm glad it made a positive impact on your experience. Thank you for your kind words. If...
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COMMUNICATIONS!!!
Thank you Matt.
Reply from Matthew Garnes Adams
November 11th, 2025 01:15 PM
You're welcome, Jeffrey. If there's anything more you need or any questions you have in the future, I'm here to help.
Good teamwork
Reply from Matthew Garnes Adams
November 5th, 2025 02:12 PM
I'm pleased to hear that you found the teamwork effective. Working collaboratively is key to ensuring the best possible outcomes, and it's great to know this approach was beneficial for you. If there's anything else I can assist with, please...
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Great communication and flexibilty in accomodating my clients schedule.
Reply from Matthew Garnes Adams
November 4th, 2025 07:46 PM
I appreciate your feedback on the communication and flexibility shown throughout the process. It's important to me to meet my clients' needs efficiently, and I'm glad that it worked well for you. If there's anything else you or your clients...
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Better communication clearly defined deadlines, too many hands in the proces. we received emails requesting sensitive data without any introduction . Requsers for same thing from multiple weeks after completin.
The process was fast and easy.
Reply from Matthew Garnes Adams
October 27th, 2025 02:34 PM
I'm glad to hear the process felt fast and easy for you. If there's ever anything more I can assist with, don't hesitate to get in touch.
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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. | "