
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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I love I can always count on Phil and his team to ensure we get the best loan for our home in the best time frame. I will only ever go to Phil for future needs and tell everyone- if you want the BEST experince - there is only 1 guy to call-...
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Reply from Phil Scaglia
September 20th, 2025 12:39 AM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
Gerry kept me very well informed and explained things that I didn't understand as a first time homebuyer.
Reply from Gerry Phillips
September 14th, 2025 09:57 PM
Thomas... I appreciate you & Kayda entrusting me with your 1st home purchase. My door is always open whenever you have homeownership questions any time in the future!
Your team was amazing and very helpful and thourogh we are very thankful and grateful for all of you guys and everything you have done for us. thank you so much. 😊
Reply from Michelle Leesmann
September 19th, 2025 12:14 PM
Thanks for the great feedback. I hope you enjoy your new home!
Jenny Zillner
Reply from Jenny Zillner
September 18th, 2025 12:25 AM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
JENNY ZILLNER
Reply from Jenny Zillner
September 18th, 2025 12:21 AM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
Phil is very responsive and quick. He was so helpful finding the right loan options and presented several options. Great experience.
Reply from Phil Scaglia
September 17th, 2025 07:13 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
Ron showed me grest great knowledge, compassion, patience, and professionalism....always available to answer any questions or concerns ..never made me feel as though I was a bother.....he's the best and I will definitely recommend him to family...
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Reply from Ron Ruzicka
September 17th, 2025 05:23 PM
Your positive review made my day! I’m thrilled that you had a great experience with us. Providing exceptional experiences for our customers is what we strive for, and your feedback motivates us to keep pushing forward.
Russ did a great job ensuring we understood the process, was attentive, and was always available to answer any questions.
Reply from Russ Bray
September 17th, 2025 02:30 PM
Thank you for your kind words! It's encouraging to know that we exceeded your expectations. Our team works hard to ensure every customer feels valued, and your review reassures us that we're on the right track.
As a first-time homebuyer, I could not have asked for a better experience working with Phil. He made the entire process make sense from start to finish, breaking everything down in a way that was clear and easy to understand. What could have...
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Reply from Phil Scaglia
September 17th, 2025 02:18 PM
I’m grateful for your kind words! It's wonderful to know that you had a terrific experience with us. Our team strives to deliver excellence, and your feedback motivates us to continue doing what we love.
Chris walked us through every step. At our closing there was not one surprise! Buying a home is very stressful and a big commitment. Chris and his team kept us moving forward with all of it. My new home is just perfect! Thank you Chris.
Reply from Chris Laughlin
September 12th, 2025 02:32 PM
Linda: you were a pleasure to work with! Glad we could help you with the loan.
1871–1880 of 12237
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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