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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Both Phil and Anita were great to work with. Easy to recommend them to others.
Reply from Phil Scaglia
October 20th, 2025 08:42 PM
I really appreciate the feedback and look forward to working with you again.
Phil's communication was excellent. He guides you through the process and makes you feel like you can ask any question along the way. The technology is also great, and certainly helps simplify the process.
Reply from Phil Scaglia
October 15th, 2025 03:52 PM
Helping great customers like you is why I'm in this business. Thank you so much for your business and great feedback.
Phil knows what he's doing and is always on it.
Reply from Phil Scaglia
October 13th, 2025 08:10 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 kind, knowledgeable, and has great personality
Reply from Phil Scaglia
October 13th, 2025 05:38 PM
I enjoyed working with you. Thanks for the great feedback.
Phil made this more than just getting a home loan. He was interested in me and my husband and ensuring we understood everything!
A great experience!
Reply from Phil Scaglia
October 10th, 2025 08:15 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Phil was very proactive and took actions that demonstrated he had my best interests in mind. I appreciate Phil and the whole team and will recommend them to others.
Reply from Phil Scaglia
October 9th, 2025 03:39 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 was on top of doing everything possible to allow us to close on our targeted close date. This was no small task with our current situation and I'm truly appreciative.
Reply from Phil Scaglia
October 9th, 2025 06:49 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 has always been quick to respond and was very helpful throughout the refi process. If I've ever had questions, he is prompt in his replies.
Reply from Phil Scaglia
October 7th, 2025 02:06 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!
Phil was extremely helpful in our pre-approval on a weekend, have excellent advice on loan options, and followed through with every question we had in a very timely and efficient manner. Highly recommend!!
Reply from Phil Scaglia
October 7th, 2025 02:26 AM
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 a great communicator throughout the entire process. He also provided grest advice.
Reply from Phil Scaglia
September 29th, 2025 02:11 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.
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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