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.
Go West The King of Wishful Thinking was a hit song for the British pop band Go West in 1990. It was featured in the movie Pretty Woman which starred Julia Roberts and Richard Gere. It was a top-ten hit in the U.S. during that summer. 9 people found this useful.