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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Our last house purchase was 32 years ago so we needed a lot of education. Phil and his crew were very clear and helpful every step of the way. Our excellent realtor, Lauren Anderson, highly recommended Phil and we have now experienced why.
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Reply from Phil Scaglia
July 9th, 2025 02:26 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Great communication, very friendly and efficient!
Reply from Phil Scaglia
July 5th, 2025 08:04 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 is top notch! His communication was amazing and he was super helpful to us as first time home buyers.
Reply from Phil Scaglia
July 4th, 2025 07:37 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.
So grateful for all the professional, prompt, & thorough information from beginning to the closing!! Everyone involved gets a ten out of ten! I feel like Phil truly cares about his clients & turns a sometimes overwhelming process into a positive...
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Reply from Phil Scaglia
July 1st, 2025 03:19 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
Clear communication and quick response times We don't remember who Nedra is-don't remember working with her. My recommendation rating is lower because I don't know who would be looking for a mortgage
Reply from Phil Scaglia
June 28th, 2025 02:12 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's responsiveness, personality and financial mindset for our situation was extremely flexible and fun to work with.
Reply from Phil Scaglia
June 26th, 2025 01:36 AM
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 did everything we asked and communication was wonderful! thank you again!
Reply from Phil Scaglia
June 25th, 2025 10:36 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
Excellent communication - made home buying simple
Reply from Phil Scaglia
June 25th, 2025 03:37 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.
Great communication, processes and execution hroughout.
Reply from Phil Scaglia
June 24th, 2025 04:03 PM
Thanks for the great feedback. I hope you enjoy your new home!
Phil and the team were Informative, Prosessional and Easy to Work With, a Great Experience.
Reply from Phil Scaglia
June 22nd, 2025 10:47 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.
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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