Welcome to "The Top 5", our regular segment where we delve into recent housing headlines and explore the potential impact on construction lending. In this discussion, we will explore the factors that are keeping homeowners rooted in their current properties, exacerbating the affordability issue in the housing market. Additionally, we'll delve into how local and state agencies are adopting zoning laws as a means to tackle the housing crisis, as well as the future of renovation in addressing the aging housing stock.