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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Mr Scaglia was prompt, professional, and willing to adjust his schedule to meet with us due uncontrollable circumstances. He did a great job getting us the best rate for our finances. I would highly recommend Mr Scaglia to others looking to...
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Communication and service were both top notch!
Rapid responses, clear communication.
Timely communication with Phil. Online applicaction.
Phil was very helpful throughout the process and always had answers to my questions. I was very appreciative of him requiring me to take a first time home buyer course, it was very informative.
Reply from Phil Scaglia
September 14th, 2026 02:05 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 patient and a trusted expert every step of the way. He was also human, and fantastic to talk to. Great trust builder when wiring more money than you have ever wired in your life.
Reply from Phil Scaglia
September 14th, 2026 01:30 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 the best! He is very intelligent, responsive, trustworthy and reliable. His colleagues are similarly very responsive and helpful.
Reply from Phil Scaglia
September 7th, 2026 05:20 PM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
Phil was easy to work with and helped me understand my options when I asked. THank you!
Reply from Phil Scaglia
August 31st, 2026 07:48 PM
I really appreciate the feedback and look forward to working with you again.
All the help I received, and kindness
Reply from Phil Scaglia
August 31st, 2026 07:59 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.
Phil is responsive, adaptable, knowledable and a great resource in this process.
Reply from Phil Scaglia
August 31st, 2026 08:21 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
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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