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after realizing that the widely unpopular first-time homebuyers incentive was a recipe for disaster should housing prices fall drastically cmhc has revised the first time homebuyer program to limit the losses cmhc could possibly incur while also limiting their upside but is that really fair to the consumer and the people that took the first-time homebuyer incentive i dont think so and ill tell you why in a minute the definitive guide on how to manage your credit product penalty price and that over its never been more important to get your mortgage right all right welcome back today were discussing the cmhc first time homebuyer incentive and recent changes that they quietly made to the program and yes these were done very quietly with one article showing up in the financial post nothing mentioned on the newsroom of the cmhc website and the product being updated but really not much more information out there than that but before we get into all the details of what they changed do me