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 and his team were GREAT to work with! Phil made this process so smooth and offered excellent assistance and guidance. THANK YOU!!
Reply from Phil Scaglia
August 10th, 2025 05:10 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.
Easy and quick. Thank you
Reply from Phil Scaglia
August 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!
Responsiveness, knowledge, speed to close
Reply from Phil Scaglia
August 6th, 2025 06:30 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.
This is my fourth time working with Phil, across three states, and I honestly wouldn’t want to work with anyone else. He’s incredibly knowledgeable, endlessly patient, and genuinely cares. It always feels like you’re in the best hands. Thank...
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Reply from Phil Scaglia
August 6th, 2025 03:42 PM
I really appreciate the feedback and look forward to working with you again.
Everything felt easy with Phil! Thorough explanations in an easily understandable manner with the ability to make an intimidating process feel simple. We recommend Phil to all prospective homebuyers.
Reply from Phil Scaglia
August 6th, 2025 01:55 PM
Thanks for the great feedback. I hope you enjoy your new home!
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Reply from Phil Scaglia
August 5th, 2025 03:49 PM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
Phil is incredible with communication. He is direct yet kind and straight to the point, which I find helpful. We love working with Phil!
Reply from Phil Scaglia
August 5th, 2025 03:04 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
It has been always great working with you, Phil! Thank you!
Reply from Phil Scaglia
August 1st, 2025 04:11 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 very responsive and knowledgeable.
Reply from Phil Scaglia
July 29th, 2025 02:09 PM
I really appreciate the feedback and look forward to working with you again.
As a first time home buyer, Phil Scaglia was very knowledgeable and helpful throughout the process. Phil is very responsive and has excellent communication skills.
Reply from Phil Scaglia
July 28th, 2025 04:30 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
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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