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.
Potential home buyers need to do their research to know about these environmental issues and safety concerns prior to purchase to verify and maintain their house value. Home buyers and renters need to know if there is a sex offender in their neighborhood, building or near their daughter's college school dorm.