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 took his time with us and made sure we understood all the details. Great advice!
Reply from Phil Scaglia
May 26th, 2025 03:37 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!
Very responsive, friendly, and helpful!
Reply from Phil Scaglia
May 25th, 2025 05:17 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
Phil's communication and support were great throughout the process of buying our home. The tools used by First State Bank make it easy as well. Thanks, Phil!
Reply from Phil Scaglia
May 25th, 2025 02:13 PM
Thanks for the great feedback. I hope you enjoy your new home!
Excellent communication, Phil clearly and thoroughly understood each part of the process, fast closing
Reply from Phil Scaglia
May 25th, 2025 01:42 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
At the start of my search for a home loan, I reached out to several mortgage companies. Phil Scaglia and his team were the most prompt in answering all of my questions, and they provided me with the best outcomes for my new home. It was easy...
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Reply from Phil Scaglia
May 22nd, 2025 03:14 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 very responsive and helpful during the closing process
Reply from Phil Scaglia
May 13th, 2025 03:58 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 and his team were responsive and provided clear timely communication throughout the process.
Reply from Phil Scaglia
May 13th, 2025 01:40 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.
Good communication between Phil and all his support staff. Anita was tremendous at closing and made things very easy to complete.
Reply from Phil Scaglia
May 11th, 2025 03:03 PM
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.
Easy , effective communication! Phil is incredibly knowledgeable and offers excellent options too consider. Simply the best!!
Reply from Phil Scaglia
May 10th, 2025 02:13 PM
I really appreciate the feedback and look forward to working with you again.
The professionalism and can do attitude of Phillip was out of this world . He is a joy to work with.
Reply from Phil Scaglia
May 9th, 2025 02:07 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