Our mission is to serve our customers with honesty, integrity and competence. We believe that applied knowledge is power, and we take the time to educate our clients on the different loan options available. 

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Chris Malouf is the founder and Managing Director of XCountry Mortgage. With over 25 years of experience in corporate finance and accounting, Chris has assisted a number of clients and organizations in making strategic decisions. Chris began his professional career with the National Jewish Medical & Research center. He then moved on to SEC reporting for a $500 million leasing firm. After spending 11 years as an executive recruiter and taking on the role of Vice President of Finance for a ski resort in Colorado, he began his transition into the personal finance industry. In 2015, Chris was approached with an opportunity to utilize his finance background to help families and individuals. What Chris enjoys the most is educating people on how money works and sharing the knowledge he’s gained over two decades to build relationships with families and individuals. As a former accountant who’s managed multi million dollar budgets, Chris offers a highly competent and energetic approach that sets XCountry Mortgage apart from many other mortgage brokers. 

In his spare time, Chris enjoys racing mountain bikes and spending time with his wife and business partner, Heather, along with his two children, Bo and Kacie.

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Managing Director - Terry Duke, The Whysman

With more than 43 years in the Mortgage and Real Estate businesses, and after more than 30,000 transactions, Terry joined XCountry Mortgage as a Managing Director in 2022. Besides his wealth of Mortgage and Real Estate knowledge, Terry is widely recognized for his strategic data analytics and laser focused marketing systems. Known as The Whysman within the industry, his market forecasting and sales coaching programs have helped clients nationwide achieve incredible success, while maintaining an unparalleled work/life balance.
His sales resume includes regionally managing multiple Mortgage and Real Estate offices in the Southwestern United States. His coaching and training resume includes working with Mike Ferry, Tommy Hopkins, Bryan Tracy, and Todd Duncan. Terry is currently coaching and training more than 1,000 Real Estate agents, 5 nationally known Title Insurance companies, and 3 multi state Mortgage companies.
He is also a contracted contributor and data analyst for Altos Research, Attom Data, BlackKnight, Corelogic, and Experian.
We are so excited that Terry has agreed to become one of our Managing Directors!

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Heather Malouf is the Office Manager at XCountry Mortgage. After graduating from Nebraska Kaplan University, she served as a medical professional for over 10 years. Her gift of helping others inspired her to further assist people with their financial health. Five years ago, when she and her husband Chris were presented an opportunity to help people live better financial lives, she took it, and never looked back. 

When Heather’s not managing client relations or administrative tasks, she enjoys family time with her husband Chris, and two children, Bo and Kacie.