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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Very communitive and able to answer all questions thourouly.
Reply from Phil Scaglia
July 28th, 2025 02:42 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
Phil, Gaby, and Nedra were on top of everything from day 1, they always responded very quickly to the few questions we had, and made the whole process easy and painless!
Reply from Phil Scaglia
July 27th, 2025 03:55 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Phil and Nedra were both very personable and explained everything in great detail. Buying a house can be a nerve wracking experience, but strong guidance from their role in the process gave a peace of mind on the financial front.
Reply from Phil Scaglia
July 27th, 2025 01:53 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
Phil has definitely mastered his profession. I will use him again and certainly refer others to him .
Reply from Phil Scaglia
July 25th, 2025 04:21 AM
Thank you for taking the time to share your experience. If I can be of further assistance to you, or your family and friends, please let me know.
Phil was great, picked up the phone and called for quick questions/answers and was also wiling to talk about different scenarios /options when it cale came to down payment's. Also quick to reply via email, and send friendly reminders anout...
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Reply from Phil Scaglia
July 23rd, 2025 09:06 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 helped us navigate the financing process and presented a package that let us sell our existing house and buy a new one simultaneously . we hadn't bought A house in 25 years, and were a little rusty on mortgage loans Phil was patient with...
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Reply from Phil Scaglia
July 22nd, 2025 10:41 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
Working with Phil on our recent home purchase was nothing short of exceptional.From the outset, Phil brought not only deep expertise and precision to the mortgage process, but a level of care and personal commitment that made all the difference....
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Reply from Phil Scaglia
July 21st, 2025 02:49 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
Phil was incredibly responsive and made the whole process easy!
Reply from Phil Scaglia
July 12th, 2025 11:46 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.
Phil was incredibly responsive. His years of experience and knowledge are obvious, and I trusted him completely. As a first time home buyer, he really "held my hand" throughout the process, was very supportive and kind. Super pleasant to work...
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Reply from Phil Scaglia
July 11th, 2025 03:40 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
Good communication. Frequent updates.
Reply from Phil Scaglia
July 10th, 2025 12:05 PM
Thanks for the great feedback. I hope you enjoy 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