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 always on top of things and made the process of buying a home incredibly easy. He always responds quickly and he is always professional. Phil was able to help me close super fast and I would recommend him to anyone looking for a loan...
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Reply from Phil Scaglia
May 25th, 2026 03:46 PM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
Phil was extremely prompt throughout the process and took the time to provide clear education and reasons for each step along the way.
Reply from Phil Scaglia
May 25th, 2026 04:46 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Trusted him through the whole process and fast communication
Reply from Phil Scaglia
May 21st, 2026 07:00 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.
Consistent communication; creative approach to meet our unique needs
Reply from Phil Scaglia
May 20th, 2026 02:28 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 was amazing throughout the entire home-buying process. As first-time home buyers, he took the time to explain everything clearly and made sure we felt comfortable and informed every step of the way. We truly don’t think we would have been...
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Reply from Phil Scaglia
May 18th, 2026 02:07 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
Phil was transparent about the entire process from the underwriting to closing day. He was always willing to answer my calls and walk through any questions. As a first time home buyer, he made the process simple and understandable.
Reply from Phil Scaglia
May 18th, 2026 02:49 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
Phil is phenomenal to work with. He is ready and able to assist with any questions we had during the buying process. He is extemely knowledgable and always guides us to ensure that we are set up the best we can be to accomplish all our goals...
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Reply from Phil Scaglia
May 18th, 2026 04:24 PM
I really appreciate the feedback and look forward to working with you again.
Phil made everything very easy. Great advice, great communicator
Reply from Phil Scaglia
May 12th, 2026 07:43 PM
Your positive review made my day! I’m thrilled that you had a great experience with us. Providing exceptional experiences for our customers is what we strive for, and your feedback motivates us to keep pushing forward.
From start to finish, Phil provided top notch advice and service. I'm so gratef for the opportunity to work with him!
Reply from Phil Scaglia
May 12th, 2026 05:43 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.
Phil made the process easy and smooth. It truly felt like he was working hard to find us the right loan for our needs and then guided us through the process. I will absolutely recommend Phil to friends and family!
Reply from Phil Scaglia
May 11th, 2026 02:22 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.
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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