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 and the team at First State Bank were super helpful in helping us purchase our first home, that we decided to work with them again when purchasing our second! The team is very responsive, even past normal business hours, to answer any...
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Phil was always very fast to respond and very thorough with his explanations. He never cut corners and always made sure my questions or concerns were addressed.
Reply from Phil Scaglia
June 20th, 2024 05:41 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
It was great working with you, you and your team made the process so seamlessly and easy for my wife and I.
Reply from Phil Scaglia
June 20th, 2024 02:50 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's very responsive and helpful!
Reply from Phil Scaglia
June 18th, 2024 04:19 PM
I really appreciate the feedback and look forward to working with you again.
Phil was very responsive and helpful, answering lots of questions from me and giving me all the info I needed to make choices. Highly recommend.
Reply from Phil Scaglia
June 15th, 2024 06:04 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Phil responded to every request or question I had almost immediately and his responses were always clear and complete. He's professional without being pretentious. I also appreciate all the guidance Phil provided about the options for my mortgage...
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Phil did a great job of staying up to date with the needed documents and making sure that we stayed on track throughout the loan process. Very responsive.
Reply from Phil Scaglia
June 12th, 2024 05:48 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 was very knowledgeable and responsive. He answered all my questions, no matter how dumb or redundant, and put all our concerns at ease.
Reply from Phil Scaglia
June 10th, 2024 05:50 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
We appreciated Phil so much in the home buying process. He was incredibly accessible, super knowledgeable. Made a complicated process easy and streamlined. Couldn't recommend him more.
Reply from Phil Scaglia
June 9th, 2024 03:19 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
Just the speed of everything and making us understand The whole process excellent I would recommend Him to anyone. Phil is the best.
Reply from Phil Scaglia
June 8th, 2024 06:20 PM
Thanks for the great feedback. I hope you 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