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's wonderful to work with
Reply from Phil Scaglia
November 10th, 2025 02:49 PM
Thanks for the great feedback. I hope you enjoy your new home!
Great advice and helped move things very efficiently
Reply from Phil Scaglia
November 5th, 2025 02:05 PM
I really appreciate the feedback and look forward to working with you again.
easy to get a hold of with questions, thorough
Reply from Phil Scaglia
November 4th, 2025 08:30 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
phil is bery accessible and easy to work with.
Reply from Phil Scaglia
November 3rd, 2025 04:25 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
Excellent service and communication
Reply from Phil Scaglia
October 31st, 2025 01:40 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 and his team are always on the ball!
Reply from Phil Scaglia
October 30th, 2025 03:37 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 made the loan happen for our family with a complex application process.
Reply from Phil Scaglia
October 30th, 2025 02:07 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.
Phil was so on top of it, got our mortgage cleared ASAP!
Reply from Phil Scaglia
October 27th, 2025 04:54 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Phil was very helpful and knowledgeable about the whole process and made buying a house a walk in the park!
Reply from Phil Scaglia
October 23rd, 2025 02:28 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.
Great customer service! Clear and concise explanations and answers to our questions.
Reply from Phil Scaglia
October 21st, 2025 05:32 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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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