You may need to open a checking account to not be charged a % (non-members of my bank have to pay a few percent to use their coin sorter).I believe Coinstar (a popular coin-sorting company) doesn't charge fees when you convert your coin total to an Amazon gift card (as opposed to receiving cash which they charge a % for).

They want the gifts without the grit.

Inflation is a gift and a curse.

@Paul Ortiz  is there a way to buy gift cards at a discount using bitcoin?  

I shook the broker's hand, brought a gift, we spoke and I left.

All of a sudden it turned out to be an inheritance/gifted money/whatever.

Typically you can Not borrow a portion of the down payment on conventional and you can’t have a “gift” on non owner occupied.

She then has the ability to make a tax-free annual gift of $15,000 to you and your sister (and sisters kids) if she so desires, so that you can start using that money now. 

One final suggestion is to bring them a small gift to offset the inconvenience.

As for most of the rest of the posts on this thread - I agree, it's going to be a tough road for all the folks who have enjoyed the market gift of the past several years.