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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Response was thorough and quick, even during the holidays.
Reply from Phil Scaglia
January 19th, 2026 04:17 PM
I really appreciate the feedback and look forward to working with you again.
As always, communication was expedient and thorough.. and advice was top-notch. Always a great transaction with Phil at the helm! The best in the business 👍🏼
Reply from Phil Scaglia
January 19th, 2026 04:20 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.
Good service and clear comminucation
Reply from Phil Scaglia
January 15th, 2026 05:45 PM
Thanks for the great feedback. I hope you enjoy your new home!
Attention to detail.
Reply from Phil Scaglia
January 14th, 2026 06:04 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.
Phil was very knowledgeable and quick to respond with communication.
Reply from Phil Scaglia
January 14th, 2026 08:32 PM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
Phil was great and made this process seamless and stress free . We provided our documents and he took care of evety and found us the best rate! He also handked any hiccups without us ever knowing We recommend Phil and his team 100%! thank you...
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Reply from Phil Scaglia
January 12th, 2026 04:06 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 is always very communicative and great to work with! He makes everything easy!
Reply from Phil Scaglia
January 12th, 2026 09:23 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!
Phil was excellent; he was supportive throughout the process and exceptionally responsive.
Reply from Phil Scaglia
January 5th, 2026 02:48 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Phil makes it easy!!
Reply from Phil Scaglia
December 22nd, 2025 07:37 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 the best in the business. Proactive and tailored advice. Thank you!
Reply from Phil Scaglia
December 18th, 2025 04:51 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.
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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