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 was on top of everything and was able to provide a seamless experience. He made sure to check in and let us know where we at in the process. Phil made buying a new home extremely easy!
He got our loan approved quickly and with no hassle and was very responsive when we had questions. Could not have been more pleased!
The communication and customer focus were excellent. Phil and Nedra are great!
Phil made it easy
Reply from Phil Scaglia
October 5th, 2026 02:20 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!
Phil and his team was great. They made the entire experience painless and easy for us sleep at night!!. Thank you very much!
Reply from Phil Scaglia
October 5th, 2026 03:07 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 was very knowledgeable about CA, quick to respond to any text/phone call, and walked us through every step of the process I would highly recommend Phil
Reply from Phil Scaglia
September 30th, 2026 05:17 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
Smart and attentive. Personable too.
Reply from Phil Scaglia
September 30th, 2026 03:06 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.
Fast and efficient communication. Phil was available almost immediately or within a very reasonable time when contacted. Extremely professional and knowledgeable.
Reply from Phil Scaglia
September 30th, 2026 02:26 PM
I really appreciate the feedback and look forward to working with you again.
Phil was friendly, efficient, and professional. Very pleased with the entire process.
Reply from Phil Scaglia
September 29th, 2026 02:24 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
I’ve worked with Phil on numerous purchase and refinance transactions over the past 20+ years, and he continues to exceed my expectations every single time. He has an amazing talent for taking complex, high-stakes deals and making them feel...
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Reply from Phil Scaglia
September 28th, 2026 06:50 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.
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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