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 was awesome to work with and he made the process as seamless as possible. Definitely would recommend!
Reply from Phil Scaglia
June 22nd, 2025 02:29 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.
Phil is super friendly and easy to work with. Communication lines are always open, he has a wealth of resources at his disposal to find you the most favorable terms, and gets the job done. Highly recommend.
Reply from Phil Scaglia
June 21st, 2025 01:14 PM
Helping great customers like you is why I'm in this business. Thank you so much for your business and great feedback.
All went very well. I have no complaints.
Reply from Phil Scaglia
June 16th, 2025 12:29 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 was very helpful with the whole experience.
Reply from Phil Scaglia
June 14th, 2025 02:30 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
Phil is incredibly knowledgeable, responsive, and eased our first-time home buyer nerves I have already recommended him to friends!
Reply from Phil Scaglia
June 11th, 2025 03:10 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 super helpful and explained everything really well to us!
Reply from Phil Scaglia
June 11th, 2025 02:12 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.
Phil is incredibly knowledgeable, responsive, and kind. He made the mortgage process smooth and stress-free—even when we hit a few snags along the way. This was our third transaction with Phil, and we highly recommend him!
Reply from Phil Scaglia
June 8th, 2025 08:55 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 was knowledgeable, informative, and candid throughtour the entire process.
Reply from Phil Scaglia
June 4th, 2025 03:38 PM
Thanks for the great feedback. I hope you enjoy your new home!
Phil was always reachable and consistent in his support and assurance during our experience purchasing our first-home. Documents were sent timely and all our our instructions were clear. Would definitely recommend Phil and First State Bank...
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Reply from Phil Scaglia
June 1st, 2025 02:25 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.
Was the easiest process I have ever had in purchasing a home. Was very clear on what was needed from me and had great communication on rates.
Reply from Phil Scaglia
June 1st, 2025 12:55 AM
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.
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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