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.
1 The typical age of home buyers has remained at 39 years of age since 2007. 2  However, when looking closer there are differences among first-time home buyers and repeat home buyers.  The age of first-time home buyers fluctuates with household affordability.