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.
To avoid financial disasters such as bankruptcy or foreclosure, first-time home buyers should conduct thorough research on real estate prices, neighborhoods and financing options.
They also have low down payment requirements. Being a first time buyer gives you a better chance on getting a low interest mortgage. Just be sure to check out what types of loans you want and learn the specific first time buyer mortgage qualifications for each lender. So if you meet all those items listed above, you're ready! Go out and get pre-approved for a mortgage! What to Learn More....