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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Everything leading to closing went smoothly. Communication was ongoing and helpful. Our closing with Phil was easy and speedy. We appreciated his
friendly personality.
Phil was very communicative with us throughout the whole process. As first time homebuyers, we appreciate his patience with our questions and concerns. He was very friendly throughout the closing process. Thank you Phil!
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Speed, knowledge, eccellent communication, and caring about our best interest. No pun intended.
Phil is so nice and helpful
Phil is a true professional. We were lucky to have guiding us through the home-buying process. Thanks Phil!
Phil was excellent. He explained everything in great detail and we have full trust in Phil. He will be highly recomended.
Very quick responses and friendly people !
Reply from Phil Scaglia
July 2nd, 2026 06:30 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.
Great guidance right out of the gate and continued updates/communication. Phil guided us through a great experience.
Reply from Phil Scaglia
July 1st, 2026 03:40 PM
Your positive review made my day! I’m thrilled that you had a great experience with us. It means a lot to our team to know that our efforts are appreciated. Thank you for the kind words, and we hope to see you again soon.
Easy and direct communication - makes everything easier
Reply from Phil Scaglia
June 29th, 2026 04:10 PM
I really appreciate the feedback and look forward to working with you again.
Phil was efficient kind and so knowledgeable.
Reply from Phil Scaglia
June 29th, 2026 07:13 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.
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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