Mortgage rates today are at their lowest levels in decades, giving homebuyers a chance to save tens of thousands of dollars on mortgage payments. Unfortunately, tight lending standards adopted after the housing collapse have made it tougher to qualify for loans.

The best rates require a stellar credit score. Earning a top credit score in today’s market starts with a history of borrowing responsibly. Read what this means and more about the behavior of “high achievers” in Pacific Union’s new article titled, “Low Mortgage Rates Bedeviled by Lending Rules, but Boosting Credit Score Will Help.”