Rich in History, Ready for the Future

The history of X-Caliber began three decades ago with the establishment of The Phares Company. Owner Nancy Phares was a single mom from Kentucky who had become highly experienced in HUD lending. She and her son, Ford, along with his wife, Sharon, grew the company until Chris and Sharon Callahan acquired the HUD lender and mort­gage servicer in 2017, began the company with a team of five, and renamed it X-Caliber.

Since the acquisition, X-Caliber has produced billions in loan transactions while adding several business lines, and now the X-Caliber brand encompasses X-Caliber LLC, the FHA lender and servicer; X-Caliber Funding LLC, a bridge to HUD platform; CastleGreen Finance, focused on Commercial Property Assessed Clean Energy (C-PACE) finance; X-Caliber Rural Capital, a USDA-licensed lender; and X-Caliber Investment Management, a specialist investment firm, and X-Caliber Advisors, a commercial real estate advising firm.

Today, X-Caliber and its affiliates have team members located in 11 states across the country.

Our History

The Phares Co.

The Phares Company, a HUD- licensed lender, is formed.


Chris Callahan purchases the Phares Company and rebrands it as X-Caliber.


X-Caliber Funding LLC

X-Caliber Funding LLC is established to capitalize on the bridge-to-HUD initiative.

X-Caliber Funding LLC

X-Caliber Investments I

X-Caliber Investments I, a discretionary bridge lending fund, is raised to target bridge-to-HUD lending opportunities.

Growth With Vision

X-Caliber launches CastleGreen Finance and X-Caliber Rural Capital. X-Caliber and its affiliates double their closed loan volume and exceeds $1B in its servicing portfolio.

X-Caliber Rural Capital Castle Green Finance

X-Caliber Investment Management

X-Caliber launches X-Caliber Investment Management, a specialist investment firm with a primary focus on commercial real estate loans, securities, and direct property investments.

X-Caliber Rural Capital

X-Caliber introduces X-Caliber Advisors, a firm that provides full capital stack solutions nationwide for developers, investors, and occupants of commercial real estate.

X-Caliber Rural Capital is named Top Lender by Volume for FY 2023 and Lender of the Year- USDA OneRD.

X-Caliber Rural Capital

Our Sword Connects Our Platforms and Pillars

Lending and Investing for the Greater Good

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