If you’re gearing up to buy your first home in Brookhaven, you’ve probably realized how many moving parts there are. From securing financing to understanding local market trends, it’s easy to feel overwhelmed. That’s exactly why we created this step-by-step checklist—to keep you focused, confident, and ready to take smart action at every stage. We’ve guided countless first-time buyers through this process right here in Brookhaven, and now we’re passing that roadmap on to you.
Key Takeaways
- Get financially prepared early—before touring homes
- Understand Brookhaven’s local housing landscape
- Avoid common first-time buyer mistakes
- Use a structured checklist to keep the process on track
Step 1: Get Your Finances in Order
Before you even look at listings, you need to understand what you can afford and how lenders will evaluate you. This is your foundation—and in a competitive market like Brookhaven, being prepared is essential.
What to Do Before You Apply for a Mortgage
- Check your credit score and dispute any errors
- Calculate your monthly budget including potential property taxes and insurance
- Pay down existing debt to improve your debt-to-income ratio
- Save for a down payment and closing costs—aim for at least 3–5%
- Avoid large purchases or credit changes during pre-approval
We can connect you with trusted local lenders who specialize in helping first-time buyers get qualified quickly and confidently.
Step 2: Get Pre-Approved by a Local Lender
Once your finances are in good shape, it’s time to get pre-approved. This not only gives you a clear price range—it also strengthens your offers when you find a home you love.
Why Pre-Approval Is a Must in Brookhaven
- Makes you a serious buyer in the eyes of sellers and listing agents
- Helps narrow your home search to realistic price points
- Gives you negotiating power in multiple-offer situations
- Speeds up the buying process once your offer is accepted
- Avoids last-minute surprises that could delay or derail your closing
Brookhaven sellers often prioritize buyers who are already pre-approved, especially in neighborhoods like Ashford Park or Brookhaven Heights.
Step 3: Choose the Right Real Estate Agent
Not all agents are created equal—especially when it comes to helping first-time buyers. You need someone who knows the Brookhaven market inside and out and can guide you through every decision with patience and expertise.
What to Look for in an Agent
- Local knowledge of Brookhaven’s micro-markets and pricing trends
- Experience with first-time buyers and the questions they commonly face
- Clear communication style and availability to match your schedule
- Proactive strategy for viewing homes, making offers, and negotiating
- Strong referral network for lenders, inspectors, and closing attorneys
At SET Real Estate Group, we specialize in helping new buyers feel confident, informed, and in control from day one.
Step 4: Define What You Want in a Home
It’s easy to get distracted by open floor plans and updated kitchens—but before you fall in love with a property, get clear on your needs. This step keeps you grounded and helps prevent regret down the road.
How to Create Your First-Time Buyer Wish List
- Determine your must-haves (bedroom count, home office, yard space, etc.)
- Identify your deal-breakers (location, noise, commute, etc.)
- Consider long-term needs, not just short-term appeal
- Prioritize features like parking, laundry, or private outdoor space
- Think about resale value—especially if this isn’t your forever home
We help buyers focus on homes that not only fit their lifestyle today but offer solid long-term value in Brookhaven’s appreciating market.
Step 5: Start Touring Homes (With a Plan)
Now that you’re pre-approved and working with an agent, it’s time to tour homes. But don’t just wing it—make sure each visit gets you closer to your decision.
How to Tour Homes Like a Pro
- Take notes and photos during each showing
- Check for natural light, layout flow, and storage
- Test functionality—run faucets, open windows, flush toilets
- Look beyond staging to assess actual condition and space
- Compare to your checklist after each tour
We keep showings efficient and insightful so you’re not overwhelmed by choice or distracted by flash.
Step 6: Submit a Strong, Strategic Offer
Brookhaven’s market can be fast-moving, especially for well-priced homes. When it’s time to make an offer, timing, structure, and tone matter.
Elements of a Competitive Offer
- Offer price that reflects current local comps
- Contingencies (or waivers) that show flexibility without increasing risk
- Closing timeline that works for the seller’s needs
- Earnest money deposit to show commitment
- A short, sincere letter if the seller is emotionally attached to the home
We craft every offer with your goals and the market’s realities in mind—no guesswork involved.
Step 7: Complete Inspections and Stay on Track
Once your offer is accepted, inspections and due diligence begin. This is where you confirm the home is truly a good investment—and where we help you stay protected.
What Happens After You Go Under Contract
- Schedule your home inspection and review the report with us
- Negotiate repairs or credits if necessary
- Finalize your mortgage and respond to lender requests promptly
- Secure homeowner’s insurance and review HOA documents if applicable
- Prepare for closing by reviewing disclosures and title reports
We keep everything moving on schedule so your excitement doesn’t get sidelined by paperwork.
Step 8: Close and Celebrate
Closing is your final milestone—and it’s where everything comes together. Our job is to make sure it’s smooth, on time, and fully understood by you.
Final Tasks Before You Get the Keys
- Review your closing disclosure for final numbers
- Do a final walk-through of the property
- Sign your loan and title paperwork with a closing attorney
- Transfer funds and receive your keys—you’re officially a homeowner
- Plan your move and enjoy the payoff of all your hard work
We’re not just there for the closing—we stay in touch long after to support your next chapter.
FAQs
How much money do I need to buy my first home?
You’ll typically need a down payment (as low as 3–5%) plus closing costs, which can be 2–4% of the purchase price. We help you plan ahead for every expense.
Can I buy a home if I have student loans?
Yes. Lenders look at your full financial picture, including your debt-to-income ratio. Many first-time buyers in Brookhaven carry student loans—we’ll guide you through the pre-approval process.
What if I find a home I love but it needs work?
We help you assess repair costs and decide whether to ask for credits, negotiate the price, or pass. Many older Brookhaven homes are worth the updates if the location is right.
Reach Out to SET Real Estate Group Today
Buying your first home is exciting—but it can also be stressful without the right guide. At SET Real Estate Group, we simplify the process so you can focus on the fun parts: finding the home you love and making it your own. We’re here to answer your questions, walk you through each step, and protect your best interests every step of the way.
Whether you’re looking for a townhome near Brookhaven MARTA or a single-family home near Blackburn Park, we’ll help you navigate the Brookhaven market with confidence. Reach out to
SET Real Estate Group today, and let’s check off every item on your first-time buyer list—together.
*Header photo courtesy of SET Real Estate Group
