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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Professional amd knowledgable team made the process easy
Phil is not only knowledgable, level headed and gives sound advice, but he is also positive, kind and a pleasure to work with. I have and will continue to recommend him. We move a lot and he makes the experience less stressful and I know we...
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Reply from Phil Scaglia
October 27th, 2026 02:04 PM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
Phil was incredibly responsive and very patiently answered all our questions.
Reply from Phil Scaglia
October 26th, 2026 05:19 PM
I’m grateful for your kind words! It's wonderful to know that you had a terrific experience with us. Our team strives to deliver excellence, and your feedback motivates us to continue doing what we love.
Phil got us pre-approved in record time... and was there at every step advising us along the way. Many thanks!
Reply from Phil Scaglia
October 26th, 2026 07:08 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
Phil, thank you for everything! You made this process as easy as it could have possibly been. Would absolutely recommend you to friends or family.
Reply from Phil Scaglia
October 21st, 2026 07:05 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!
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Reply from Phil Scaglia
October 16th, 2026 03:10 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
Phil is friendly, knowledgeable and a great communicator, the entire process was fast and easy - exceptional service!
Reply from Phil Scaglia
October 15th, 2026 02:52 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Phil and his crew really went out of there way to make our loan happen on time with no problems!!
Reply from Phil Scaglia
October 13th, 2026 03:54 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 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!
Reply from Phil Scaglia
October 12th, 2026 05:26 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!
He got our loan approved quickly and with no hassle and was very responsive when we had questions. Could not have been more pleased!
Reply from Phil Scaglia
October 12th, 2026 08:17 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.
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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