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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Rick is an excellent communicator. He does a great job of explaining everything. I would recommend him to anyone taking on the task of buying a home.
Reply from Rick Whisman
July 25th, 2025 02:27 PM
Thanks Joe, I value your input and repeat business.
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Great communication from start to end. Made us feel prioritized.
Reply from Russ Bray
July 29th, 2025 04:42 PM
Helping great customers like you is why I'm in this business. Thank you so much for trusting us with your new home loan and for the great feedback.
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Phil was very responsive and knowledgeable.
Reply from Phil Scaglia
July 29th, 2025 02:09 PM
I really appreciate the feedback and look forward to working with you again.
Great experience with Phil Scaglia who helped us obtain a loan with competitive rates in the middle of a time crunch ahead of closing. Would recommend Phil without reservation.
Reply from Owner
October 3rd, 2025 12:00 AM
Thanks so much, Steven! We’re glad Phil could help make the process smooth and timely. We appreciate your recommendation—congrats on your new home!
Scott, Traci and Jody were all amazing to work with and made what could have been a very nerve-wracking experience not so. I will definitely recommend First State Bank Mortgage to others!
Reply from Scott and Traci Turner
July 28th, 2025 09:09 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
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As a first time home buyer, Phil Scaglia was very knowledgeable and helpful throughout the process. Phil is very responsive and has excellent communication skills.
Reply from Phil Scaglia
July 28th, 2025 04:30 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
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Very communitive and able to answer all questions thourouly.
Reply from Phil Scaglia
July 28th, 2025 02:42 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
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Russ was very professional, helpful, and responsive. 100% would work with him again.
Reply from Russ Bray
July 23rd, 2025 02:55 PM
Thank you Jimmy! I enjoyed working with you and Belle and wish you the very best moving forward!
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Michelle Leesmann
Michelle was clearly invested in our success.
Reply from Michelle Leesmann
July 24th, 2025 07:53 PM
Thank you Terrie, you were wonderful to work with and we appreciate you and Paul very much! Enjoy your new beautiful home!
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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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