By Ethan Harkins, Realtor® | Keller Williams Lake Oconee
Phone: 706-817-2905
Email: ethanharkins@kw.com
Introduction
Stop right there. If you’re a first-time buyer in Georgia, chances are you’ve heard advice from family, friends, and even TikTok—but not all of it is right. In fact, some of it can cost you thousands. This guide breaks down the five mistakes I see first-time buyers make the most—and how you can avoid them.
1. Skipping Mortgage Pre-Approval
Looking at homes without a mortgage pre-approval is like shopping without knowing how much money is in your wallet. Pre-approval tells you what you can realistically afford and signals to sellers that you’re serious. In Georgia’s competitive real estate market, this step can give your offer a strong edge.
2. Forgetting About Closing Costs
It’s not just about the down payment. Many first-time homebuyers in Georgia are caught off guard by closing costs, which usually range from 2–5% of the purchase price. These can include the appraisal, inspection, title search, and insurance. Planning for these costs upfront helps avoid last-minute surprises.
3. Falling in Love With the First House
It’s easy to get emotionally attached to the first home you tour—but rushing into an offer without comparison shopping can lead to regret. Take your time, explore different neighborhoods, and think about long-term fit before making a decision.
4. Overlooking Location
A house isn’t just four walls. It’s the schools, commute, neighbors, and overall community. Whether you’re looking in Athens, Lake Oconee, or anywhere across Greene, Oconee, or Clarke counties, the location should fit your lifestyle and future plans just as much as the house itself.
5. Trying to “Time the Market”
Many buyers wonder if they should wait for interest rates or prices to drop. The truth is, no one can perfectly predict the market. The best time to buy is when you’re financially ready and you find a home that truly fits your needs.
Final Thoughts
Buying your first home in Georgia doesn’t have to be stressful. By avoiding these common mistakes and working with a local expert, you can enjoy the process and focus on finding the home that’s right for you.
If you’re even 6 months away from buying, the prep you do today could save you thousands tomorrow. Text me at 706-817-2905 or email ethanharkins@kw.com and I’ll walk you through your first steps.
Ethan Harkins, Realtor®
Keller Williams Lake Oconee
Phone: 706-817-2905
Email: ethanharkins@kw.com
Website: ethanharkinsrealestate.com