Phil Scaglia
Senior Loan Officer | NMLS # 502027
With 30 years of experience and nearly $3 billion in closed loans, Phil Scaglia ranks among the top 1% of mortgage lenders nationwide. Known for his personalized, hands-on approach, Phil specializes in purchase loans for all types of borrow... Show More
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Phil is responsive, adaptable, knowledable and a great resource in this process.
Great communication and fast response time!
Phil was great. The process was so easy and seamless.
I was out of the country for most of the process but still communicated with Phil and the company without any trouble.
He answered questions quicklt, even at some less Convenient times due to timezones
Phil was always helpful and responsive throughout the process.
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Phil was amazing! He was patient and helped us with any questions or concerns.
Everyone was Professional, Knowledgable and Courteous
Reply from Phil Scaglia
August 14th, 2026 02:12 PM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
I had a great experience with Phil. He did a great job at explaining the borrowing process to me and was very good at answering my all of my questions.
Reply from Phil Scaglia
August 12th, 2026 02:14 PM
Thank you for taking the time to share your experience. If I can be of further assistance to you, or your family and friends, please let me know.
Phil is excellen! From start to finish communications were promp, straight forward and clear.
Reply from Phil Scaglia
August 12th, 2026 06:40 PM
Thank you for your great review! I’m delighted to hear that you had such a positive experience with us. Your satisfaction is our ultimate reward, and we can't wait to provide you with exceptional service again in the future.
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About
With 30 years of experience and nearly $3 billion in closed loans, Phil Scaglia ranks among the top 1% of mortgage lenders nationwide. Known for his personalized, hands-on approach, Phil specializes in purchase loans for all types of borrowers—from first-time buyers to super jumbo clients. He offers creative yet responsible solutions, backed by a trusted team of 14 years. Phil provides conventional, jumbo, and portfolio loans in all 50 states. A Kansas City native, he enjoys food, travel, and entertaining.
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
Specialities
Conventional
Jumbo
FHA & VA
USDA Rural Housing
Construction & Renovation Loans
Second Home & Investment Properties
Refinance Solutions
First-Time Homebuyer Grants
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Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 502027
Awards
Disclaimer
First State Bank Mortgage, A Division of First State Bank of St. Charles, MO. NMLS #416668. Equal Housing Lender. Headquarters: 2850 West Clay Street, St. Charles, MO 63301. This is not a commitment to lend. For licensing information, go to: www.nmlsconsumeraccess.org