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.
The First Time Home Buyer's class was great, I was able to understand the importance of obtaining a mortgage and the process of how to obtain one. This class was very informative. I still feel I have a little ways to go but I am more confident in moving forward with the home buying process.