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 very helpful throughout the entire home buying process. He is always courteous, friendly, efficient and communicative. This is our 2nd home we have bought with Phil as our Loan Officer and we will gladly continue working with him on...
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Reply from Phil Scaglia
November 27th, 2024 04:29 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.
Really Enjoyed working with Phil. made things easy for Us
Reply from Phil Scaglia
November 24th, 2024 03:39 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
Phil always takes care of us!
Reply from Phil Scaglia
November 21st, 2024 05:37 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 was pretty darn patient with so much document gather with my busy schedule. It was much appreciated!
Reply from Phil Scaglia
November 19th, 2024 04:19 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.
I have 110% confidence referring clients to Phil - he provides straightforward & honest advice bringing his vast experience to the transaction and offers competitive rates! He's the BEST!
From our first communication Mr. Scaglia was encouraging and supportive. I felt throughout the process of becoming a first-time home buyer that he genuinely wanted to "make it happen." Together with the recommended course, Phil's demeaner made...
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Reply from Phil Scaglia
November 9th, 2024 05:27 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.
Phil was excellent! He was quick and thorough with communication. He answered all of our questions and provided great advice. We had a seamless experience all because of Phil!
Reply from Phil Scaglia
November 9th, 2024 03:02 AM
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.
Ease of communication, Phil and his team answered all of our questions with patience and understanding, and the process overall felt very seamless and clean.
Reply from Phil Scaglia
November 6th, 2024 02:35 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
Very thankful for Phil's guidance and expertise every step of the way!
Reply from Phil Scaglia
November 5th, 2024 02:04 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
Very knowledgeable and supportive and timely.
Reply from Phil Scaglia
October 29th, 2024 03:50 AM
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.
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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