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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Trusted him through the whole process and fast communication
Consistent communication; creative approach to meet our unique needs
Phil was amazing throughout the entire home-buying process. As first-time home buyers, he took the time to explain everything clearly and made sure we felt comfortable and informed every step of the way. We truly don’t think we would have been...
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Phil was transparent about the entire process from the underwriting to closing day. He was always willing to answer my calls and walk through any questions. As a first time home buyer, he made the process simple and understandable.
Phil is phenomenal to work with. He is ready and able to assist with any questions we had during the buying process. He is extemely knowledgable and always guides us to ensure that we are set up the best we can be to accomplish all our goals...
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Phil made everything very easy. Great advice, great communicator
Reply from Phil Scaglia
May 12th, 2026 07:43 PM
Your positive review made my day! I’m thrilled that you had a great experience with us. Providing exceptional experiences for our customers is what we strive for, and your feedback motivates us to keep pushing forward.
From start to finish, Phil provided top notch advice and service. I'm so gratef for the opportunity to work with him!
Reply from Phil Scaglia
May 12th, 2026 05:43 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.
Phil made the process easy and smooth. It truly felt like he was working hard to find us the right loan for our needs and then guided us through the process. I will absolutely recommend Phil to friends and family!
Reply from Phil Scaglia
May 11th, 2026 02:22 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.
Having closed a few deals with Phil Scaglia, I can confidently say he is one of the best in the business. In an industry where timelines and communication are everything, Phil excels. He manages the process with a level of calm and professionalism...
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Reply from Phil Scaglia
May 7th, 2026 06:11 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.
Phil was so easy to work with. Fast communication, great service!
Reply from Phil Scaglia
May 5th, 2026 01:54 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.
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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375
/850
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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