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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All the help I received, and kindness
Reply from Phil Scaglia
August 31st, 2026 07:59 PM
Helping great customers like you is why I'm in this business. Thank you so much for trusting us with your new home loan and for the great feedback.
Phil is responsive, adaptable, knowledable and a great resource in this process.
Reply from Phil Scaglia
August 31st, 2026 08:21 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
Great communication and fast response time!
Reply from Phil Scaglia
August 28th, 2026 04:51 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
Phil was great. The process was so easy and seamless.
I was out of the country for most of the process but still communicated with Phil and the company without any trouble.
Reply from Phil Scaglia
August 27th, 2026 05:08 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.
He answered questions quicklt, even at some less Convenient times due to timezones
Reply from Phil Scaglia
August 27th, 2026 03:13 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 was always helpful and responsive throughout the process.
Reply from Phil Scaglia
August 24th, 2026 02:10 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.
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Reply from Phil Scaglia
August 24th, 2026 08:06 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
Phil was amazing! He was patient and helped us with any questions or concerns.
Reply from Phil Scaglia
August 24th, 2026 08:19 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
Everyone was Professional, Knowledgable and Courteous
Reply from Phil Scaglia
August 14th, 2026 02:12 PM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
I had a great experience with Phil. He did a great job at explaining the borrowing process to me and was very good at answering my all of my questions.
Reply from Phil Scaglia
August 12th, 2026 02:14 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.
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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