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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Phil was incredibly responsive. His years of experience and knowledge are obvious, and I trusted him completely. As a first time home buyer, he really "held my hand" throughout the process, was very supportive and kind. Super pleasant to work...
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Reply from Phil Scaglia
July 11th, 2025 03:40 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
The attention to detail, as well as the very thorough communication made this experience amazing. Not having the stress and worry regarding the financing of the home was a tremendous relief!
Reply from The O'Neill Team
July 7th, 2025 02:13 PM
Thanks for your kind words Wes. We thoroughly enjoyed working with you and Vanessa, and enjoy your great new home!
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Good communication. Frequent updates.
Reply from Phil Scaglia
July 10th, 2025 12:05 PM
Thanks for the great feedback. I hope you enjoy your new home!
Jim Yarrington has received a review with 5 star rating from Wes C
Reply from Owner
October 3rd, 2025 12:00 AM
Your 5-star review means a lot to us—thank you!
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Communication
Reply from Jeff Krueger
July 7th, 2025 03:57 PM
Thank you again John for your Trust in me. I hope to meet you soon as I enjoyed working with you you!
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Rick and the team communicated very well through the whole loan process and worked with and for us to adjust our loan to ensure we were able to make our home purchase. I would recommend anyone looking for a loan to contact them!
Reply from Rick Whisman
July 7th, 2025 07:42 PM
Jeremy, thanks so much for the insight to your transaction. Enjoy your new home!
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Chris was very informative and was clearly b working to help us through the process
Reply from Chris Lee
July 9th, 2025 03:23 PM
We appreciate your review and will take your feedback into consideration as we continue to enhance our services.
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Our last house purchase was 32 years ago so we needed a lot of education. Phil and his crew were very clear and helpful every step of the way. Our excellent realtor, Lauren Anderson, highly recommended Phil and we have now experienced why.
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Reply from Phil Scaglia
July 9th, 2025 02:26 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Steve thoroughly explains every step of the way and made the process of first time home-buying and refinancing seamless
Reply from Steve Carrico
July 9th, 2025 02:03 PM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
Nathan was great to work with. No surprises, everything he told us was 100% accurate. He and his team kept us informed through the whole process and followed up after closing. Extremely happy with Nathan, Carol and team. Thank you!
Reply from Nathan Grojean
July 9th, 2025 12:19 AM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new 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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