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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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. 
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Laura Samota is a Senior Mortgage Broker with XCountry Mortgage. Laura was born and raised in sunny Scottsdale, Arizona but traded her swimsuit for skis when she moved to Broomfield, Colorado, four years ago. In her early career, she was an assistant general manager at a local fast-casual restaurant, which taught her the importance of customer service and teamwork. Since transitioning to the mortgage business, she continues her passion for helping those in her community, especially first time homebuyers and veterans. She is committed to taking an educational approach to the mortgage process.

In her spare time, Laura enjoys spending time with friends and family, trying new restaurants and hiking in the beautiful Colorado mountains!

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Dane has spent the last 20 years working in accounting, finance, operations, sales, human resources, and consulting. He loves living in small mountain towns and is passionate for the small businesses that are the heart and soul of these communities.

Dane has spent time both as a professional ski bum working in human resources and operations at Winter Park Resort and has also been a 911 Dispatcher and Sheriff Deputy in Chaffee County. 

He loves raising/playing with his two sons, Owen and Liam, as well as, hiking, skiing, boating, and biking with his wife Erica and the cats.

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Derrick is a Mortgage broker with XCountry Mortgage. He has been in customer service and sales for seven years. He has a passion for helping people and taking customer service to the next level and giving people a top experience. 


When Derrick is not working he enjoys being with his family. He has two dogs and a fiance. You can catch him at a high school basketball game cheering on his fiance who coaches the women's basketball team. After doing a brief stint and living in Colorado for 18 months he moved back to Nebraska and loves living in a small town. He loves to lift weights, and ride bikes.