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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My first interaction with Phil was a cold call with an urgent request for a pre-approval letter. He responded immediately and provided exceptional service to meet our needs. Throughout the process, his communication was clear, timely, and consistently...
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Reply from Phil Scaglia
November 19th, 2025 03:17 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
Phil is always wonderful to work . Very knowledgeable and answered any and all questions I had! Def recommend!
Reply from Phil Scaglia
November 18th, 2025 03:34 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
it was very easy and phil was creative to find the best possible solution for us between buying & selling a house.
Reply from Phil Scaglia
November 17th, 2025 06:09 PM
We appreciate your review and will take your feedback into consideration as we continue to enhance our services.
nothing to add
Reply from Phil Scaglia
November 14th, 2025 06:41 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.
The best things about this experience were: excellent communication, ease of access, technology and kindness of staff
Reply from Phil Scaglia
November 14th, 2025 08:29 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 and the entire team were so helpful and made me feel confident and comfortable purchasing my first home. I would strongly recommend working with him if you're in the market for a new home or mortgage.
Reply from Phil Scaglia
November 13th, 2025 03:20 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.
Phil did A fantastic job from the beginning to the end of the process, yet again!
Reply from Phil Scaglia
November 11th, 2025 08:44 PM
Helping great customers like you is why I'm in this business. Thank you so much for your business and great feedback.
Phil was engaged, knowledgeable and a very good communicator
Reply from Phil Scaglia
November 10th, 2025 03:07 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
the e sign was simple and quick
Reply from Phil Scaglia
November 10th, 2025 06:49 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
Phil is very strategic and professional.
Reply from Phil Scaglia
November 10th, 2025 02:43 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
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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