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.
But, it would be disheartening to find the home of your dreams, but not be able to purchase it. So before you get yourself a piece of the proverbial pie, so to speak, you should know a few things about the first time home buyer qualifications and see if you meet them.