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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Terry always s seems to find a way to get us great loans and rates even though more of our money is investments rather than a high salary. We have the money to buy these houses, but it's not as straightforward as it may be for some. That has...
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Reply from Terry & Peter O'Neill
November 19th, 2024 08:09 PM
Thank you for the wonderful review! Making customers happy is our top priority, and I’m thrilled that we succeeded with you. I hope your enjoy your new home!
The O'Neill team was extremely helpful, courteous, and professional, working with me thru the process and answering Questions and providing info/updates quickly so we could finish the process smoothly
Reply from The O'Neill Team
November 14th, 2024 05:43 PM
Thanks for the kind words Stephen. It was great working with you and keep up the good work @ American Century and enjoy your great new home!
Terry & Peter
Excellent guidance and assistance from stat to finish
Reply from Matt & Betsy Maassen
November 19th, 2024 05:08 PM
I’m delighted to receive your positive feedback! We strive to provide exceptional service, and your review encourages us to keep up the good work. Thank you!
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Phil was pretty darn patient with so much document gather with my busy schedule. It was much appreciated!
Reply from Phil Scaglia
November 19th, 2024 04:19 PM
Thank you for your kind words! I’m thrilled to hear that you had a positive experience with us. We appreciate your support and look forward to serving you again soon.
Jim Yarrington has received a review with 4 star rating from Austin A
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First State Bank of St. Charles
Great people to work with
Reply from Owner
October 3rd, 2025 12:00 AM
Thank you for your review, Cheryl!
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I have 110% confidence referring clients to Phil - he provides straightforward & honest advice bringing his vast experience to the transaction and offers competitive rates! He's the BEST!
Melissa helped the process move along quick and smooth. Any questions I had were quickly answered and I knew exactly what needed to be done.
Reply from Melissa Maxwell
November 18th, 2024 04:35 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
The convenience of the process was much better than when we bought our first house. Communication was prompt and informative.
Reply from Jenny Zillner
November 18th, 2024 03:22 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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Chesterfield
Chesterfield has received a review with 5 star rating from Weidong C
Reply from Owner
July 4th, 2025 12:00 AM
Thank you for the 5 stars!
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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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