First-time buyer roadmap

Eight clear steps to buying in Georgia. Expand any step — and ask Maya anything along the way. Selling instead? Ask her about pricing, prep, and a free valuation.

1. 1Get pre-approvedKnow your real budget before you fall in love with a house.▾
   A lender reviews your income, credit, and debts and issues a pre-approval letter. This is stronger than a pre-qualification (a quick estimate) and tells sellers you're serious. Compare conventional, FHA, VA, and USDA options — each has different down-payment and credit requirements.Ask Maya about this step →
2. 2Sign a buyer brokerage agreementPut a licensed Georgia agent officially in your corner.▾
3. 3Search & tour homesThe fun part — see places and refine what matters to you.▾
4. 4Make an offerPrice, terms, and contingencies on the GAR contract.▾
5. 5Due diligence periodGeorgia's window to inspect and negotiate — or walk away.▾
6. 6Appraisal & underwritingThe lender confirms value and finalizes your loan.▾
7. 7Closing with an attorneyGeorgia is an attorney-closing state.▾
8. 8File your homestead exemptionLower your property taxes on your new primary home.▾