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.
Thinking of buying your first home? You'll need to save at least as much for the down payment and closing costs. But there are also a host of thingsâfederal and state grants, tax credits and other optionsâyou can explore that are designed to make it easier for first-time buyers to afford their first home. In fact, even if you've owned a home in the past, you may qualify for these programs if you meet certain guidelines.