

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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Buying my first home was a challenging and educational experience. Phil helped make the process easier by providing clear direction and detailed answers to my questions.
Phil provided great guidance throughout the entire process, and he and his team made closing super smooth. Highly recommend!
Phil was professional and pleasant to work with. He is knowledgeable of all aspects of the business. Will definitely use Phil again in future transactions.
Phil was incredibly responsive and welcomed any and all questions. As a first time home buyer, this was much appreciated!
Phil is patient, brilliant, empathetic, responsive and very easy to communicate with. This is my third home loan I have worked on with him. Perfect experience every time. Thank you!
He helped answer any questions I had and did it in a timely manner.
Phil was amazing through every step of the home buying process. Any questions we had he was quick to answer and made us feel comfortable the whole time!! Thanks Phil!
Phil was so great to work with! He was always so quick with communication and helped us tremendously with a fast closing. We appreciate his help and guidance throughout our first homebuying process!
It was a quick close and Phil got it done for us without any hiccups. He's a rockstar! Thank you!!
Understood my situation, communicated great and delivered.
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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