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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Communication was great, process was easy!
Reply from Phil Scaglia
March 23rd, 2025 02:37 PM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
Thank you, Phil!
Reply from Phil Scaglia
March 19th, 2025 02:46 PM
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.
This is our second time working with Phil, and I am once again blown away by how knowledgeable he is about the mortgage process. Phil is extremely communicative, quick to respond to any question or concern, and really made us feel comfortable...
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Reply from Phil Scaglia
March 19th, 2025 02:18 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 is easy to work with and on top of all the complexities of home financing.
Reply from Phil Scaglia
March 16th, 2025 03:34 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.
Phil and his team made this process so seamless and provided thorough communication.
Reply from Phil Scaglia
March 16th, 2025 02:23 AM
I really appreciate the feedback and look forward to working with you again.
Our experience with Phil was easy, streamlined, and efficient from beginning to end. We always felt like we were in good hands working with Phil, and we were able to close quickly with a down payment that worked in our budget. Thank you, Phil!...
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Reply from Phil Scaglia
March 9th, 2025 01:50 AM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
Phil was such a great help to us during this process. He was efficient, transparent and easy to work with!
Reply from Phil Scaglia
March 8th, 2025 04:04 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.
Phil and his team once again delivered with professionalism, excellent guidance, and critical follow-through. And, they all went the extra mile for us we are positive! I can't say enough how pleased we were with the entire experience.
Reply from Phil Scaglia
March 6th, 2025 10:22 PM
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.
Phil always makes a complicated process as stress free as possible for us!
Reply from Phil Scaglia
March 6th, 2025 10:12 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.
I am self employed. Knowing this, Phil tackled all of the tricky items up front. Using their software to upload was very easy. And, Phil sent everything to underwriting well in advance of our closing to make sure they would sign off. We had...
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Reply from Phil Scaglia
March 6th, 2025 06:08 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!
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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