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.
âSweatâ is full of religious symbolism that demonstrates that Hurston was using the theme of good vs. evil in the short story. In the very beginning of âSweatâ one can see that Delia possesses a very strong work ethic, by the way that she is working vigorously to wash the clothes for the white people that she worked for to put food on the table and a roof over her and Sykesâ head.