A CVT does not strictly require the presence of a clutch. Nevertheless, in some vehicles (e.g. motorcycles), a centrifugal clutch is added to facilitate a neutral stance, which is useful when idling or manually reversing into a parking space.
While it does not take perfect credit to get a decent mortgage, buyers with better credit scores get mortgages with lower interest rates and may be exempt from certain fees during the mortgage process. First-time home buyers should be aware of their credit histories and expect mortgage rates to reflect them.
Income. One of the most important qualifications for a first-time home buyer is a steady income. A buyer's income (or the combined income of a couple, if both are buying the home jointly) will determine the amount of the mortgage lenders offer, which in turn sets the price range that is realistic for you. New home buyers should also have a reasonable degree of job security.