--- title: Optimal Blue Optimal Insights | Michael Clark, Ph.D. description: Optimal Blue's regular contribution to thought provoking, informative and all-things interesting to the mortgage industry. --- [![Great News!...? FHA Will Start Taking Loans in Forbearance, but Not All of the Risk](https://engage.optimalblue.com/hubfs/Blueline-Blog/Great%20News!...%3F%20FHA%20Will%20Start%20Taking%20Loans%20in%20Forbearance%2c%20but%20Not%20All%20of%20the%20Risk.png)](https://engage.optimalblue.com/optimal-insights/great-news-fha-will-start-taking-loans-in-forbearance-but-not-all-of-the-risk) ###### [Great News!...? FHA Will Start Taking Loans in Forbearance, but Not All of the Risk](https://engage.optimalblue.com/optimal-insights/great-news-fha-will-start-taking-loans-in-forbearance-but-not-all-of-the-risk) [![Time to Start Thinking About Getting Conventional Loans Out of Forbearance](https://engage.optimalblue.com/hubfs/Blueline-Blog/BLOG-time-to-start-052620b.png)](https://engage.optimalblue.com/optimal-insights/time-to-start-thinking-about-getting-conventional-loans-out-of-forbearance) ###### [Time to Start Thinking About Getting Conventional Loans Out of Forbearance](https://engage.optimalblue.com/optimal-insights/time-to-start-thinking-about-getting-conventional-loans-out-of-forbearance) [![](https://engage.optimalblue.com/hubfs/Blueline%20Blog/BLOG-MortgageVolumes.png)](https://engage.optimalblue.com/optimal-insights/mortgage-volumes-still-strong-despite-economic-uncertainty) ###### [Mortgage Volumes Still Strong Despite Economic Uncertainty](https://engage.optimalblue.com/optimal-insights/mortgage-volumes-still-strong-despite-economic-uncertainty) [![Downside Risks in the Mortgage Market](https://engage.optimalblue.com/hubfs/Blueline%20Blog/BLOG-Downside-Risks-040720.png)](https://engage.optimalblue.com/optimal-insights/downside-risks-in-the-mortgage-market) ###### [Downside Risks in the Mortgage Market](https://engage.optimalblue.com/optimal-insights/downside-risks-in-the-mortgage-market) [![](https://engage.optimalblue.com/hubfs/BLOG-economic-040120.png)](https://engage.optimalblue.com/optimal-insights/the-cares-act-and-its-impact-on-the-economy-and-the-mortgage-market) ###### [The CARES Act and its Impact on the Economy and the Mortgage Market](https://engage.optimalblue.com/optimal-insights/the-cares-act-and-its-impact-on-the-economy-and-the-mortgage-market) [![Market Commentary: Recent Actions Taken in Response to the COVID-19 Pandemic](https://engage.optimalblue.com/hubfs/Blueline%20Blog/blog-MarketCommentary_03.png)](https://engage.optimalblue.com/optimal-insights/recent-actions-taken-in-response-to-the-covid-19-pandemic) ###### [Recent Actions Taken in Response to the COVID-19 Pandemic](https://engage.optimalblue.com/optimal-insights/recent-actions-taken-in-response-to-the-covid-19-pandemic) [![Emergency Actions in Response to COVID-19 & the Implications of the Policy Actions](https://engage.optimalblue.com/hubfs/Blueline%20Blog/blog-MarketCommentary-01.png)](https://engage.optimalblue.com/optimal-insights/emergency-actions-in-response-to-covid-19-and-the-implications-of-the-policy-actions) ###### [Emergency Actions in Response to COVID-19 & the Implications of the Policy Actions](https://engage.optimalblue.com/optimal-insights/emergency-actions-in-response-to-covid-19-and-the-implications-of-the-policy-actions) [![blog-MarketCommentary_04](https://engage.optimalblue.com/hubfs/Blueline%20Blog/blog-MarketCommentary_04.png)](https://engage.optimalblue.com/optimal-insights/market-commentary-the-impact-of-rate-movement-and-loan-characteristics-on-servicing-value) ###### [Market Commentary: The Impact of Rate Movement and Loan Characteristics on Servicing Value](https://engage.optimalblue.com/optimal-insights/market-commentary-the-impact-of-rate-movement-and-loan-characteristics-on-servicing-value) [![blog-MarketCommentary_03](https://engage.optimalblue.com/hubfs/Blueline%20Blog/blog-MarketCommentary_03.png)](https://engage.optimalblue.com/optimal-insights/market-commentary-the-impact-of-rates-seasonality-and-appreciation-on-mortgage-volumes) ###### [Market Commentary: The Impact of Rates, Seasonality, and Appreciation on Mortgage Volumes](https://engage.optimalblue.com/optimal-insights/market-commentary-the-impact-of-rates-seasonality-and-appreciation-on-mortgage-volumes) [![blog-MarketCommentary_03](https://engage.optimalblue.com/hubfs/Blueline%20Blog/blog-MarketCommentary_03.png)](https://engage.optimalblue.com/optimal-insights/market-commentary-the-impact-of-low-rates-on-lender-profitability) ###### [Market Commentary: The Impact of Low Rates on Lender Profitability](https://engage.optimalblue.com/optimal-insights/market-commentary-the-impact-of-low-rates-on-lender-profitability) [![blog-MarketCommentary_04](https://engage.optimalblue.com/hubfs/Blueline%20Blog/blog-MarketCommentary_04.png)](https://engage.optimalblue.com/optimal-insights/market-commentary-monetary-policy-impact-on-the-mortgage-market) ###### [Market Commentary: Monetary Policy Impact on the Mortgage Market](https://engage.optimalblue.com/optimal-insights/market-commentary-monetary-policy-impact-on-the-mortgage-market) [![blog-MarketCommentary-01](https://engage.optimalblue.com/hubfs/Blueline%20Blog/blog-MarketCommentary-01.png)](https://engage.optimalblue.com/optimal-insights/market-commentary-rates-falling-are-volumes-responding) ###### [Market Commentary: Rates Falling, Are Volumes Responding?](https://engage.optimalblue.com/optimal-insights/market-commentary-rates-falling-are-volumes-responding) ###### Watch our new video to learn how we help *optimize your advantage*. --- ### SUBSCRIBE TO OPTIMAL INSIGHTS --- ###### LET'S CONNECT [* *](https://www.linkedin.com/company/optimal-blue) ###### MEDIA CENTER [+ Originations Market Monitor](https://www2.optimalblue.com/originations-market-monitor/) **