Not everyone receiving a cash gifts want to make a 20% downpayment, though. Cash gifts are also allowed for low-downpayment mortgages including the FHA purchase mortgage, which requires a 3.5% downpayment; and the Conventional 97 mortgage from Fannie Mae and Freddie Mac which requires just 3% down.
Hardwiring Happiness is a psychology/but actually mostly a self-help book. I obviously went into it with expectations that weren't met, but it's not all bad. I did get the psychological research that I wanted and more.
THE PURSUIT OF HAPPYNESS is the inspiring true-life story of Chris Gardnerâs pursuit of not one, but two dreams: financial success and everything that that could bring to the life of both he and his son, and the other is to end the cycle in his family of the absentee father.