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 took the time to answer all of our questions thoroughly. He made our first time home buying experience very smooth.
Reply from Phil Scaglia
July 14th, 2026 07:06 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!
Phil's expertise and knowledge of the area we gained great advantage from in our home purchase process.
Reply from Phil Scaglia
July 13th, 2026 04:06 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Everything leading to closing went smoothly. Communication was ongoing and helpful. Our closing with Phil was easy and speedy. We appreciated his
friendly personality.
Reply from Phil Scaglia
July 9th, 2026 05:11 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 very communicative with us throughout the whole process. As first time homebuyers, we appreciate his patience with our questions and concerns. He was very friendly throughout the closing process. Thank you Phil!
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Reply from Phil Scaglia
July 8th, 2026 03:49 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!
Speed, knowledge, eccellent communication, and caring about our best interest. No pun intended.
Reply from Phil Scaglia
July 8th, 2026 03:19 PM
I’m delighted to receive your positive feedback! We strive to provide exceptional service, and your review encourages us to keep up the good work. Thank you!
Phil is so nice and helpful
Reply from Phil Scaglia
July 8th, 2026 03:15 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 is a true professional. We were lucky to have guiding us through the home-buying process. Thanks Phil!
Reply from Phil Scaglia
July 8th, 2026 08:15 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.
Phil was excellent. He explained everything in great detail and we have full trust in Phil. He will be highly recomended.
Reply from Phil Scaglia
July 6th, 2026 02:59 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
Very quick responses and friendly people !
Reply from Phil Scaglia
July 2nd, 2026 06:30 PM
Thank you for your kind words! It's encouraging to know that we exceeded your expectations. Our team works hard to ensure every customer feels valued, and your review reassures us that we're on the right track.
Great guidance right out of the gate and continued updates/communication. Phil guided us through a great experience.
Reply from Phil Scaglia
July 1st, 2026 03:40 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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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