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 Capital.

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 Capital 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.


X-Caliber Capital

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

X-Caliber Capital


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 Capital 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


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.


Our Sword Connects Our Platforms and Pillars

Lending and Investing for the Greater Good

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