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Federal Liberals’ plan to help first-time homebuyers to kick in weeks before election – Goldstream News Gazette Most people that own a house or other real estate are also going to own a homeowners insurance plan. 2 Myths Holding Back home buyers.. myth #2: "I Need a 780 FICO Score or Higher to Buy". Whether buying your first home or moving up to your dream home, knowing your options will make the mortgage process easier.