Chris Smith - Luminate Bank

Chris Smith - Luminate Bank Chris Smith - NMLS 9831 Luminate Bank - NMLS 1281698
Equal Housing Lender
Member FDIC

๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐— ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐—จ๐—ฝ๐—ฑ๐—ฎ๐˜๐—ฒ ๐—ณ๐—ผ๐—ฟ ๐—๐˜‚๐—น๐˜† ๐Ÿฏ๐Ÿญ๐˜€๐˜ ๐—ณ๐—ฟ๐—ผ๐—บ ๐—Ÿ๐˜‚๐—บ๐—ถ๐—ป๐—ฎ๐˜๐—ฒ ๐—•๐—ฎ๐—ป๐—ธ.The 30-year fixed-rate mortgage averaged 6.66 percent this week ...
07/31/2026

๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐— ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐—จ๐—ฝ๐—ฑ๐—ฎ๐˜๐—ฒ ๐—ณ๐—ผ๐—ฟ ๐—๐˜‚๐—น๐˜† ๐Ÿฏ๐Ÿญ๐˜€๐˜ ๐—ณ๐—ฟ๐—ผ๐—บ ๐—Ÿ๐˜‚๐—บ๐—ถ๐—ป๐—ฎ๐˜๐—ฒ ๐—•๐—ฎ๐—ป๐—ธ.

The 30-year fixed-rate mortgage averaged 6.66 percent this week according to Freddie Mac. The housing market continues to benefit from more available inventory, giving prospective homebuyers additional options and helping support buyer activity even as rates fluctuate.

Here is where rates stand as of July 30th per MND's Daily Rate Survey.

30-year fixed: 6.77 percent, down 0.01 percent. 15-year fixed: 6.31 percent, down 0.01 percent. 30-year jumbo: 6.90 percent, unchanged. 7/6 SOFR ARM: 6.33 percent, down 0.01 percent. 30-year FHA: 6.33 percent, down 0.01 percent. 30-year VA: 6.34 percent, down 0.02 percent.

Rates are moving in a favorable direction and inventory is improving. If you have been watching the market and waiting for a reason to start the conversation, now is a good time to reach out.

๐˜“๐˜ถ๐˜ฎ๐˜ช๐˜ฏ๐˜ข๐˜ต๐˜ฆ ๐˜‰๐˜ข๐˜ฏ๐˜ฌ. ๐˜•๐˜”๐˜“๐˜š 1281698. 2523 ๐˜š. ๐˜ž๐˜ข๐˜บ๐˜ป๐˜ข๐˜ต๐˜ข ๐˜‰๐˜ญ๐˜ท๐˜ฅ., ๐˜š๐˜ถ๐˜ช๐˜ต๐˜ฆ 100, ๐˜”๐˜ช๐˜ฏ๐˜ฏ๐˜ฆ๐˜ข๐˜ฑ๐˜ฐ๐˜ญ๐˜ช๐˜ด, ๐˜”๐˜• 55405. 952-939-7200. ๐˜™๐˜ข๐˜ต๐˜ฆ๐˜ด ๐˜ด๐˜ฉ๐˜ฐ๐˜ธ๐˜ฏ ๐˜ฎ๐˜ข๐˜บ ๐˜ณ๐˜ฆ๐˜ง๐˜ญ๐˜ฆ๐˜ค๐˜ต ๐˜ข ๐˜ฅ๐˜ช๐˜ด๐˜ค๐˜ฐ๐˜ถ๐˜ฏ๐˜ต ๐˜ฑ๐˜ฐ๐˜ช๐˜ฏ๐˜ต. ๐˜๐˜ฐ๐˜ณ ๐˜ฆ๐˜ฅ๐˜ถ๐˜ค๐˜ข๐˜ต๐˜ช๐˜ฐ๐˜ฏ ๐˜ฑ๐˜ถ๐˜ณ๐˜ฑ๐˜ฐ๐˜ด๐˜ฆ๐˜ด ๐˜ฐ๐˜ฏ๐˜ญ๐˜บ. ๐˜š๐˜ถ๐˜ฃ๐˜ซ๐˜ฆ๐˜ค๐˜ต ๐˜ต๐˜ฐ ๐˜ค๐˜ฉ๐˜ข๐˜ฏ๐˜จ๐˜ฆ ๐˜ธ๐˜ช๐˜ต๐˜ฉ๐˜ฐ๐˜ถ๐˜ต ๐˜ฏ๐˜ฐ๐˜ต๐˜ช๐˜ค๐˜ฆ ๐˜ฅ๐˜ถ๐˜ฆ ๐˜ต๐˜ฐ ๐˜ฎ๐˜ข๐˜ณ๐˜ฌ๐˜ฆ๐˜ต ๐˜ง๐˜ญ๐˜ถ๐˜ค๐˜ต๐˜ถ๐˜ข๐˜ต๐˜ช๐˜ฐ๐˜ฏ๐˜ด.

5.0 star review received on Experience.com for Chris Smith by Heber M - Chris was super helpful and made the loan proces...
05/21/2026

5.0 star review received on Experience.com for Chris Smith by Heber M - Chris was super helpful and made the loan process easy to understand, he was thorough with the details. Really appreciate his help.

Click to see all 63 reviews of Chris Smith - Northpointe Bank, Sales Manager | NMLS # 9831

5.0 star review received on Experience.com for Chris Smith by Virginia B - Chris was the best part. He was straight forw...
05/08/2026

5.0 star review received on Experience.com for Chris Smith by Virginia B - Chris was the best part. He was straight forward and told us exactly what was needed. He was understanding and reliable. He always had things done a quickly as possible and was always in touch with us. He was amazing to work with!

Click to see all 62 reviews of Chris Smith - Northpointe Bank, Sales Manager | NMLS # 9831

5.0 star review received on Experience.com for Chris Smith by Kelly H - It all went smooth with no unexpected issues. Ev...
05/05/2026

5.0 star review received on Experience.com for Chris Smith by Kelly H - It all went smooth with no unexpected issues. Everything was ready to go when closing. Fanastic work!

Click to see all 61 reviews of Chris Smith - Northpointe Bank, Sales Manager | NMLS # 9831

5.0 star review received on Experience.com for Chris Smith by Jesse J - Chris  made  it  all  happen
04/14/2026

5.0 star review received on Experience.com for Chris Smith by Jesse J - Chris made it all happen

Click to see all 59 reviews of Chris Smith - Northpointe Bank, Sales Manager | NMLS # 9831

5.0 star review received on Experience.com for Chris Smith by Camie Y - Would  recommend Chris  to  anyone  looking  for...
04/06/2026

5.0 star review received on Experience.com for Chris Smith by Camie Y - Would recommend Chris to anyone looking for loan help

Click to see all 57 reviews of Chris Smith - Northpointe Bank, Sales Manager | NMLS # 9831

5.0 star review received on Experience.com for Chris Smith by Cecilia G - Chris  was  knowledgeable and  communicated ev...
03/28/2026

5.0 star review received on Experience.com for Chris Smith by Cecilia G - Chris was knowledgeable and communicated every step of the way. He allowed me to have moments where I was apprehensive or felt embarrassed by my lack of knowledge yet was encouragin.

Click to see all 56 reviews of Chris Smith - Northpointe Bank, Sales Manager | NMLS # 9831

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Spokane, WA

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+15092166700

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