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11/06/2026

ILLINOIS FORECLOSURE UPDATE — top-five national volume, and a process that rewards local knowledge.

The first half of 2026, per ATTOM: 12,533 Illinois properties with a foreclosure filing, 7,424 foreclosure starts (5th most in the nation), and 1,543 bank repossessions (also 5th). August kept the pace — 1,192 starts, 4th most of any state, and a filing rate of 1 in every 2,880 housing units, 8th-highest in the country. Cook County alone carried the largest county filing total in America.

Illinois is judicial: heavy dockets, long timelines, no shortcuts. Our Illinois lane is Southern Illinois and the Metro East — one team for both sides of the river, licensed in Illinois and Missouri, built for REO disposition and valuation work.

If your Illinois book needs a broker who already works the process, let's connect.

Michael Zouglas
REO Xpress · NRBA Master Broker | 314-501-6263 | onyx.homes

11/06/2026

MISSOURI FORECLOSURE UPDATE — the latest ATTOM numbers.

Filings jumped to 619 in July, up 53% from a year ago, and held at 490 in August, up 17%. Foreclosure starts for the first half of 2026 hit 2,393 — up 14% year over year, one of the ten largest increases in the country. And 5.4% of Missouri homes in the foreclosure process are sitting vacant, concentrated in St. Louis, Jackson, and Greene counties.

Missouri is a trustee-sale state. Files move in weeks, not years — when volume builds, there is no runway. Servicers need local brokers who can value, secure, and sell on day one.

That is the desk I have run for 25 years: 7,000+ closings, 72-hour BPO turns, St. Louis metro and statewide coverage. If your Missouri pipeline is growing, let's talk before it lands.

Michael Zouglas
REO Xpress · NRBA Master Broker | 314-501-6263 | onyx.homes

11/04/2026

The front of the foreclosure pipeline is cooling. The back end is not — and the back end is where the work lands.

Per ATTOM (via Bryan Palomares at Skyhill Financial): bank repossessions are outpacing new foreclosure starts in every period this year. In August, REOs rose 42% year over year while starts rose just 7% — 5,794 homes taken back in one month, up 22%. ICE shows foreclosure inventory up 37% year over year in September.

REO volume is not made this month. It is loans that defaulted a year or more ago reaching the end of the process. The pipe is full, and it drains onto the REO desk.

The shops that built capacity before they needed it will take the share. Still below pre-pandemic norms — not 2010, and not a crash. A workload story, arriving faster than the headlines suggest.

Michael Zouglas
REO Xpress · NRBA Master Broker | 314-501-6263 | onyx.homes

11/04/2026

St. Louis and Metro East homeowners: if you're behind on payments, inherited a house, or are worried about scams, five things worth knowing right now.

• Pandemic-era mortgage help has ended, federally and in Missouri, but free help still exists.
• Foreclosure rescue scams, deed theft and property fraud are real, and free tools exist to protect you.
• Missed a mortgage payment? There's a federal 120-day rule, and your first three moves matter.
• Inherited a house? A small estate affidavit works differently in Missouri than in Illinois.
• Illinois overhauled its tax sales in July 2026: a three-year redemption period for most homes and a new way to recover lost equity.

Free resources and tools exist, including protection from foreclosure scams, deed scams and property fraud. Ask Mike Zouglas at ONYX Agents about them, or any question you have: [email protected] or 314-501-6263.

Educational only, not legal or tax advice.

11/03/2026

Hey - check out this AI video I made for you, let me know what you think!
https://app.heygen.com/videos/38f344b650ffa8fe3d290b34cf6402b5

11/03/2026

Teeing it up for charity this Thursday in Dallas.

Playing in the 11th Annual PCV | VRM Seeds of Hope Charity Golf Classic at Coyote Ridge Golf Club in Carrollton — 8 AM sh***un start, benefiting Operation Once in a Lifetime and their work for veterans and their families.

Great people, a great course, and a cause that matters more than the scorecard. If you'll be at Coyote Ridge Thursday, come say hello.

Michael Zouglas | REO Xpress · NRBA Master Broker | 314-501-6263

10/28/2026

This Week's News & Notes — Episode 33

FED DAY. RATES DIPPED. WINTER IS COMING.

The 30-year mortgage rate slipped to 7.32% — the first break in a two-month climb. The Fed decides today: a hold is expected, a December HIKE is the live bet, and forecasters see no cuts through 2027. Inflation is why — consumer prices +3.7%, producer prices +6.3%.

Home sales just posted their slowest two months of the year, inventory is at 4.8 months, and buyers finally have leverage. From Scottsdale (NPLA): AI in lending means trust but verify.

Plus the WINTER PLAYBOOK — the agents who win the spring start right now.

Michael Zouglas | REO Xpress | 314-501-6263

10/24/2026

YOU'RE INVITED — OPPORTUNITY ZONE INVESTMENT SEMINAR

ONYX Companies invites you to an educational investment seminar hosted by UHY: Opportunity Zone Funds — and how Qualified Opportunity Zones can fit into a broader tax and investment strategy.

Tuesday, November 10 · Virtual presentation

This session is built for anyone who:
• Has recently realized — or expects — significant capital gains
• Is selling a business, real estate, or appreciated investments
• Holds concentrated stock positions with large unrealized gains
• Wants tax-efficient, long-term investment options

Opportunity Zones are one of the most powerful — and most misunderstood — strategies in the tax code. Come learn how they actually work, straight from the UHY team.

REGISTER HERE: https://event.on24.com/wcc/r/5492816/79F66341E7D88C7BCA8B3A5C13E0A691

Questions before you register? Connect with me:
Michael Zouglas · 314-501-6263 · [email protected] · www.onyx.homes

10/23/2026

BUILDERS ARE BLINKING.

CNBC's Fast Money put it on screen this week: builder sentiment is at its lowest since 2012 — Peter Boockvar called housing "stuck in the mud."

The numbers (NAHB, October): confidence index 29, a 2012 low. 43% of builders cutting prices. 65% offering incentives.

Builders can't sit on finished homes, so they deal — rate buydowns into the 5s and low 6s, closing-cost money, free upgrades. The most negotiable house in America right now is a finished new home.

And resale sellers: you're not just competing with the house down the street anymore. You're competing with that builder's buydown. Compete on terms, or sit.

Michael Zouglas · 314-501-6263 · [email protected] · www.onyx.homes

10/22/2026

THIS WEEK'S NEWS & NOTES — EPISODE 2

Rates held at 7.40%. Almost everything else moved:
• Pending sales hit a RECORD LOW — contracts down 7.3% in September, weakest since 2001
• Builders are blinking — confidence at a 2012 low, 43% cutting prices
• Asking prices fell for the first time since March; a record 22% of listings have cut price
• No Fed rescue — a December HIKE is now expected; the MBA sees rates above 7% through 2027
• Doug Duncan at NADP: "two lock-ins and one lock-out" — plus his AI warning for agents

Bottom line: the agents who win the next two years sell strategy, not rate relief.

Full breakdown on my LinkedIn. Connect with me: Michael Zouglas · 314-501-6263 · [email protected] · www.onyx.homes

Address

7350 Manchester Road #200
Arnold, MO
63143

Opening Hours

Monday	9am - 9pm
Tuesday	9am - 9pm
Wednesday	9am - 9pm
Thursday	9am - 9pm
Friday	9am - 9pm
Saturday	9am - 7pm
Sunday	9am - 5pm

Website

https://www.onyx.homes/stlouis

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