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
Communication and assistance with overcoming hiccups in the approval process .
Reply from Matthew Garnes Adams
October 16th, 2025 03:14 PM
It's great to know that communication and assistance were beneficial for you during the approval process. Navigating any challenges that arise is an important part of what I do, and I'm glad to have been able to help. If you have any further...
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Easy to communicate, very thorough information and answers all questions completely and in terms we can understand
Reply from Matthew Garnes Adams
September 24th, 2025 03:47 PM
Thanks for pointing out the communication and thoroughness. I believe in making complex information accessible and am glad to know that it helped. If any more questions arise, feel free to get in touch.
As a 1st time home buyer, it was wonderful to ask questions, aak for advice and knowing that I was getting great information. Matt was very knowledgeable, and help me understand how the fiancing works.
Reply from Matthew Garnes Adams
September 2nd, 2025 04:17 AM
I'm pleased to hear that your first home buying experience was so positive. Guiding clients through questions and providing clear advice is something I strive to do consistently. I'm glad my explanations helped you understand the financing...
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My first experience with Matthew and his team and I must say, it was a great one! As the listing agent on this transaction, I was kept abreast of the buyers loan status with weekly updates from Nova. That kind of communication and commitment...
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Reply from Matthew Garnes Adams
August 24th, 2025 01:02 PM
Thank you, Roslyn, for sharing your experience. I'm glad to hear that the communication and updates were helpful to you as the listing agent. Keeping everyone informed and on the same page is truly crucial for a successful transaction. I'm...
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I wasn't directly involved with the transaction but from what I could see, it was very smooth.
Reply from Matthew Garnes Adams
August 21st, 2025 12:14 PM
Thank you, Karen, for sharing your perspective. I'm pleased to hear that the transaction appeared smooth from your vantage point. It’s important to me that everyone involved feels reassured and informed throughout the process. If there's ever...
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Availability and communication.
Amazing Lender,very professional and has a strong team .That was a best decision of my life to choose Nova home loans to guiding me during the home buying process.Matt was went above and beyond with everything.Answering every question with...
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Reply from Matthew Garnes Adams
August 2nd, 2025 05:59 PM
Thank you, Anne, for your generous review. I'm thrilled to hear that your home buying experience with Nova Home Loans felt so positive and supportive. It's wonderful to know that my guidance and the efforts of our team made a meaningful difference...
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Matt is such a great indivisual, always quick to reply, pleasant and to notch manners. Answered all of my questions with patience
Reply from Matthew Garnes Adams
July 27th, 2025 01:29 PM
I appreciate your kind words, Ilanit. I'm glad to hear that my communication and approach were helpful to you. It's important to me to be responsive and provide clear answers, so I'm delighted that came through in our interactions. If you have...
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Okay thank you
Reply from Matthew Garnes Adams
July 16th, 2025 01:23 PM
Thank you, Richard, for taking the time to leave a brief note. If there's anything specific you enjoyed or any feedback you'd like to share, I'm here and always eager to help. Feel free to reach out anytime!
This was a down payment assistance program loan with clients who needed work getting their credit score up for approval. Matt and the team at Nova patiently helped my clients through the process then delivered with a very smooth closing. I...
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Reply from Matthew Garnes Adams
July 12th, 2025 01:53 AM
Thank you, Marc, for sharing your experience. I'm pleased that we could assist your clients with the down payment assistance program and support their credit improvement efforts. It's always rewarding to see everything come together for a smooth...
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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. | "