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 fantastic to work with. Always timely on responses and helpful with my questions.
Reply from Phil Scaglia
March 23rd, 2026 04:12 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.
Phil worked hard to get us a lower rate
Reply from Phil Scaglia
March 18th, 2026 08:42 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.
There were a fair number of moving pieces and it was handled well.
Reply from Phil Scaglia
March 16th, 2026 05:48 PM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
Phil answered all my questions promptly and made me feel confident in the mortgage process!
Reply from Phil Scaglia
March 16th, 2026 04:01 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.
Phil is always on top of things and helped me evaluate my options, every step of the way.
Reply from Phil Scaglia
March 16th, 2026 06:54 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Working with Phil was great! He had wonderful communication, and made the first-time home buying process not feel so intimidating. We felt very cared for throughout the whole process. Would highly recommend to anyone!
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Reply from Phil Scaglia
March 12th, 2026 03:16 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 made sure the timing worked well for us and for the market to refinance our house. We appreciated his expertise!
Reply from Phil Scaglia
March 4th, 2026 03:25 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.
We've worked with Phil for many years. He's always made the process smooth and easy.
Reply from Phil Scaglia
March 2nd, 2026 09:20 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 made it an easy experience to take advantage of the lower rates.
Reply from Phil Scaglia
March 2nd, 2026 06:16 PM
Thank you for your great review! I’m delighted to hear that you had such a positive experience with us. Your satisfaction is our ultimate reward, and we can't wait to provide you with exceptional service again in the future.
Easy to work with; very
Reply from Phil Scaglia
February 26th, 2026 05:21 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