By Julie Compton

A good credit score can land you your dream home without a nightmare mortgage.

Generally, a higher credit score will earn you a lower interest rate with most lenders.

Mortgage providers tend to consider a credit score above 700 ideal. But getting your score anywhere in the 620-850 range can save you tens of thousands of dollars in interest over the life of a 30-year fixed mortgage, according to bankrate.com.

Careful Cents founder Carrie S. Nicholson achieved a 720 score that allowed her and her husband Ryan, 31, to buy their first home with an affordable mortgage rate.

> READ MORE (link opens in new window)