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.
Not safe for work, even less safe for Belgian waffles. In 1987, Finley released the LP The Truth Is Hard To Swallow, which featured music on side one and her career-defining performance piece âThe Constant State of Desireâ on side two.