
Home buyers, especially first-time buyers, often start the process believing myths about how the market works. Sometimes, those myths can take you down the wrong path. What follows are six myths I often hear from prospective buyers that you should let go of right now.
You must have a 20% down payment.
Many of us grew up hearing this, because for a long time, it was a good rule of thumb. However, lenders have long since stopped requiring 20 percent down. For sure, if you've got a sizable down payment ready, it will save you money. Not only will you pay less interest over the life of your mortgage, but 20 percent down can usually keep you from having to buy p...

1 pk graham crackers crushed
5 1/2 Tablespoons butter melted
1 8 oz cream cheese (softened)
1 14 oz Eagle Brand Sweetened Condensed Milk
1/3 cup fresh or bottled lemon juice (measured)
1 Teaspoon vanilla extract
1 can cherry pie filling
Mix graham crackers and butter. Press into pie dish. Preheat oven to 325 degrees. Bake for 10-12 minutes, then cool.
Beat softened cream with a wire whisk until fluffy. Gradually beat in sweetened condensed milk until smooth. Stir in lemon juice and vanilla. Pour into prepared pie crust.
Chill at least 4 hours before serving. Top with desired amount of cherry pie filling
This is my favorite pie, and my mom makes it every year for my birthday. For some reason hers always tastes better!