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 made this whole process extremely easy!
Reply from Phil Scaglia
December 18th, 2025 05:41 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.
Super helpful throughout the process, was great as a first time buyer to understand the fees, closing expectations and was super easy to communicate witht over text/phone
Reply from Phil Scaglia
December 16th, 2025 03:14 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
Phil was responsive, knowledgeable, and always willing to answer my questions.
Reply from Phil Scaglia
December 15th, 2025 04:42 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Phil and the others communicated well and in a timely manner, answered our questions, and helped us along the way.
Reply from Phil Scaglia
December 15th, 2025 05:36 PM
Thanks for the great feedback. I hope you enjoy your new home!
Phil was very thorough at every step, even when we hit the occasional speed-bump. He guided me calmly providing options and recommendations to close the deal. Couldn't have been more helpful.
Reply from Phil Scaglia
December 9th, 2025 06:51 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.
Great communication and made the process seamless, thank you Phil!
Reply from Phil Scaglia
December 2nd, 2025 05:34 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!
very helpful and anticipated my questions and needs
thank you
Reply from Phil Scaglia
December 2nd, 2025 09:59 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.
Good interaction and we feel very prepared for our new
Reply from Phil Scaglia
November 25th, 2025 03:07 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.
Low stress Very quick and easy process
Reply from Phil Scaglia
November 24th, 2025 03:16 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 made the entire process seamless. He's a true professional.
Reply from Phil Scaglia
November 19th, 2025 10:00 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.
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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