
First State Bank of St. Charles, Saint Charles, MO
Saint Charles, MO

We’re a full service mortgage lender with an experienced staff offering mortgage loans for everyone – whether you are buying your first home, refinancing to lower your payments, or building a home from the ground up.
Since 1867, we have se... Show More
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It was great working with you again!
Nathan was very helpful in all aspects. He was extremely helpful with any questions I had. Thank you Nathan for going above and beyond.
I was kept informed by Martin and the process went very smoothly.
Reply from Martin Still
November 11th, 2026 06:59 PM
Glad to hear Marilyn. Hope you are enjoying your new home and it was a pleasure working with you.
Answer quick and easy to understand, good advice and details explain .
Reply from Kim Schultz
November 12th, 2026 02:07 PM
Thanks for allowing me to assist you with your loan! Appreciate ALL your help pulling everything together! Wishing you all the best in your beautiful new home!
Kim was really assertive and interested in gaining our business. She worked to get us the best rate and lock in period. It was a little bumpy at the end due to a realtor error and Kim tried to facilitate the situation through the challenge.
Reply from Kim Schultz
November 11th, 2026 03:51 PM
Thanks again for allowing me to earn your business! Enjoyed working with you and Brent. I feel really terrible that things were not smooth at the end, and you are still dealing with issues with your new home. Please keep me posted and let me...
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Phil Scaglia provided an excellent experience from beginning to end. He was incredibly responsive, communicated clearly and consistently, and always made himself available to answer my many questions. His positive and confident personality...
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extremely proactive and responsive to all aspects
Russ's communication and explanation throughout the process was incredibly helpful.
Very helpful and offered timely communication
Phil is truly the best of the best! His expertise and experience are unmatched! He always brings creative solutions to help support his clients' homebuying goals!
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About
We’re a full service mortgage lender with an experienced staff offering mortgage loans for everyone – whether you are buying your first home, refinancing to lower your payments, or building a home from the ground up.
Since 1867, we have served the lending needs of our community with integrity and a dedication to excellence.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
USDA Loans
Qualified Mortgage Pre-Approvals
Our Company
Time Zone
Central Standard Time (CST)
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