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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I felt like I could trust Phil and team to do right by me and my family.
Reply from Phil Scaglia
April 13th, 2025 02:20 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Answered any question I had in a manner.
Reply from Phil Scaglia
April 11th, 2025 01:23 AM
Thank you for your great review! I’m delighted to hear that you had such a positive experience with us. Your satisfaction is our ultimate reward, and we can't wait to provide you with exceptional service again in the future.
The scale was not high enough to rate how amazing our experience was all the way through this process! Superior knowledge, quick communication and ease of processing all the paperwork was the best I've ever had! I will recommend Phil and his...
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Reply from Phil Scaglia
April 10th, 2025 02:10 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.
Phil made the process quick and easy! He took time to answer our questions along the way and found solutions to our unique situation (living in CA and needing to sign documents ahead of closing, etc . ). We would recommend Phil to anyone looking...
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Reply from Phil Scaglia
April 9th, 2025 04:42 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 and his team "spoon fed" us all the way. The made the process painless.
Reply from Phil Scaglia
April 6th, 2025 10:36 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
Reply from Phil Scaglia
April 2nd, 2025 08:24 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
Communication was responsitive, advice was given that very helpful and looking out for my best interest.
Reply from Phil Scaglia
April 1st, 2025 02:26 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.
We had an excellent experience working with Phil! His team was incredibly easy to work with, provided quick and clear communication, and demonstrated great knowledge throughout the process. Everything went smoothly, and I felt well-supported...
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Reply from Phil Scaglia
March 31st, 2025 01:14 AM
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 and his staff were fantastic. Super attentive and thorough and worked closedly with me every step through the process. I am very pleased with their service.
Reply from Phil Scaglia
March 29th, 2025 09:42 PM
I really appreciate the feedback and look forward to working with you again.
The team!! Great communication and they got my deal done and on time!
Reply from Phil Scaglia
March 28th, 2025 04:22 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
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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