Dyck O'Neal
Company History

• Our roots and foundation originated in the mortgage insurance, banking, legal and real estate arenas
   
• Founded in August 1988 by Gary A. Dyck and Jori L. O’Neal to collect mortgage deficiencies in Texas for GSE’s, banks, mortgage companies and others. Expanded into additional states during the early 1990’s, following nationwide foreclosure trends
   
• Added specialized portfolios and programs in the late 1990’s, including employee assistance programs, borrower assistance programs, presale promissory notes and workouts
   
• In December 2002, Dyck-O’Neal was acquired by Michael J. Cramer, owner of Cramer Financial (“CFG”) Group of Arlington, Texas. CFG’s history, mission and operating philosophy were very similar to those of Dyck-O’Neal. CFG had focused on purchased portfolios of judgments, deficiencies, and charged-off loans, and brought particular expertise in the areas of due diligence, bankruptcy, and foreclosure
   
• During the four years since the sale, the new, larger Dyck-O’Neal has experienced continued growth and further expansion of its client base, while retaining the key qualities and core beliefs of a small, professional, closely held company
   
• Today Dyck-O’Neal is a national leader in the purchase and recovery of real estate deficiencies, first and second liens, HELOCs and promissory notes