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So in short no, you need to do the quest
EDIT: Also, you can use the Alternate Start: Live another Life mod and choose the option to own a home at the start of the game. Selecting the "Own a house in whiterun (breezehome) will give you the fully furnished house lacking the followers bed area.
Note that if you move to Lydia's location before the quest, she is inside Breezehome but invisible. Breezehome is empty. If you enable Lydia she acts as a normal follower.
Perhaps then use a mod to furnish the home.
You don't just beat Skyrim, ♥♥♥♥♥♥.
http://s2.quickmeme.com/img/00/005fc3313657db1fd0f86ca4e74a9b4b64b70bdfe230afbdd10d7016f22ba323.jpg