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 awesome! Top notch
Reply from Phil Scaglia
April 8th, 2026 04:48 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 took care of everything and made the process extremely seamless. He was very responsive and always answered questions we had.
Reply from Phil Scaglia
April 8th, 2026 04:17 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
Phil was incredinly incredibly responsive, and helpful. We are first time home buyers and green to the process, so his expertise really helped us make confident decisions.
Reply from Phil Scaglia
April 7th, 2026 07:02 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
Phil was great to work with. He looked out for our best interest and kept us informed. Even responded from vacation
Reply from Phil Scaglia
April 1st, 2026 07:04 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 is the BEST. He had amazing communication throughout the process, explained all options, changes and updates in great detail and in a way we were able to understand. The process with his team was seamless and gave us confidence throughout...
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Reply from Phil Scaglia
March 30th, 2026 03:15 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 was very knowledgeable and helped walk us through the process. We felt like we had a real advantage by working with Phil. He was responsive and professional.
Reply from Phil Scaglia
March 30th, 2026 04:49 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
Efficiency, clear communication, good advice
Reply from Phil Scaglia
March 30th, 2026 08:05 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 awesome to work with!
Reply from Phil Scaglia
March 25th, 2026 04:27 PM
Thanks for the great feedback. I hope you enjoy your new home!
Phil was incredibly responsive and kept me updated about my loan at every step of the process. He was also very patient when I hit some personal roadblocks. I would highly recommend him!
Reply from Phil Scaglia
March 23rd, 2026 05:05 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 amazing. Professional, friendly incredibly knowledgeable. Phil was timely with all correspondenc. Great individual to work with and super overall experience
Reply from Phil Scaglia
March 23rd, 2026 01:14 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!
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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