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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Having closed a few deals with Phil Scaglia, I can confidently say he is one of the best in the business. In an industry where timelines and communication are everything, Phil excels. He manages the process with a level of calm and professionalism...
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Reply from Phil Scaglia
May 7th, 2026 06:11 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 was so easy to work with. Fast communication, great service!
Reply from Phil Scaglia
May 5th, 2026 01:54 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 was courteous, clear and patient.
Reply from Phil Scaglia
May 1st, 2026 06:05 PM
I really appreciate the feedback and look forward to working with you again.
Phil was prompt with his responses, answered every question in detail, was extremely helpful and professional. He seemed genuinely interested and concerned that our experience was easy and comfortable. His patience and guidance made this experience...
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Reply from Phil Scaglia
April 29th, 2026 02:39 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
Great as always!!
Reply from Phil Scaglia
April 27th, 2026 06:41 PM
It was great working with you to refinance your home loan. Thanks again for putting your trust in us.
Phil being on top of the communication component and responding in a timely manner without us having to follow up with him is how it should be done. He and his team did it the right way the first time around, as it should be.
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Reply from Phil Scaglia
April 27th, 2026 05:20 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
Phil communicated well and helped make the process easy. Great to work with!
Reply from Phil Scaglia
April 22nd, 2026 02:58 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!
I had a survey question about Nedra Irvin, but I just never interacted with her so put my toggle in the middle!My experience with Phil was outstanding! My husband and I were able to get an incredible rate in a crazy market all thanks to Phil...
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Reply from Phil Scaglia
April 20th, 2026 01:27 PM
Thanks for the great feedback. I hope you enjoy your new home!
Phil! And his communication
Reply from Phil Scaglia
April 10th, 2026 08:19 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!
great Experience
Reply from Phil Scaglia
April 9th, 2026 04:27 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