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.
They can ask about your marital status and the number of dependants you have to determine if you qualify as a first-time homebuyer. If you were once married and indicate that you formally owned a principal residence jointly with a spouse (and you have dependents), you qualify as a first-time homebuyer.