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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Good communications and recommendations from
Informative, great at communicating and excellent advice.
Reply from Phil Scaglia
July 29th, 2026 02:28 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
I'd highly recommend Phil to anyone I know . He was a great communicator throughout the entire process.
Reply from Phil Scaglia
July 29th, 2026 03:46 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Phil was so efficient and thorough! I appreciated his quick response to emails. He made this part of our real estate transaction run very smoothly! Thank you.
Reply from Phil Scaglia
July 27th, 2026 03:40 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!
Really strong communication throughout the process. Phil was good at listening to my needs early in the process and giving me flexible options. Once we decided on our needs he was clear on the pros and cons of different structures and helped...
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Reply from Phil Scaglia
July 27th, 2026 02:40 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!
It was a pleaser doing business with you. You can say how we're great. Really your communication Phil was top notch.
Reply from Phil Scaglia
July 22nd, 2026 05:45 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
Communication was excellent and appreciated!
Reply from Phil Scaglia
July 16th, 2026 06:02 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 worked hard to get us the best possible rate and loan structure for our needs. He listened to and addresses all of our concerns and worries and guided us through the process effortlessly. I have and will continue to recommed Phil to all...
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Reply from Phil Scaglia
July 15th, 2026 04:48 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.
Phil was very helpful as my husband and I bought our home in Kansas City this summer! He was quick to respond when we had questions and updates, his emails were full of useful information, and he always made sure we were on top of any deadlines,...
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Reply from Phil Scaglia
July 15th, 2026 03:41 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 took the time to answer all of our questions thoroughly. He made our first time home buying experience very smooth.
Reply from Phil Scaglia
July 14th, 2026 07:06 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!
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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