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.
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.