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If you are ready to buy a home in New Jersey, the following guide will help you in understanding how the home buying process works in New Jersey.Wherever you are going to buy a home, the first step of every home buyer is to put together your team of professionals ( should make sure that the Realtor they select is a member of the Multiple Listing Service (MLS) system that covers the area in New Jersey where they are looking. In New Jersey, northern New Jersey is covered by the New Jersey MLS. The rest of the state is covered by six other MLS systems such as for Ocean and Monmouth counties and for the south shore area.Realtors in New Jersey are required by state law to provide home buyers with a Real Estate Agency Disclosure Form upon first meeting. This form discloses to the buyer who the Realtor represents and explains options for representation to the home buyer.Mortgage financing is available in New Jersey but when you select your mortgage loan officer and company to work with, be sure to make sure they offer the loan program you need in the area you need. For example, in many parts of New Jersey - especially the closer you get to New York City - many homes require loans that are jumbo loan sizes in excess of conforming Fannie Mae, Freddie Mac or FHA limits. If you need a for your home purchase, check to make sure your loan officer has the loan program you need.Disclosures and InspectionsNew Jersey does not require home sellers to provide buyers with any type of general property disclosure form as is used in several other states. Sellers are required in New Jersey to disclose the presence of any lead based paint or any Urea Formaldehyde Foam Insulation (UFFI). Sellers are required, however, to provide accurate information requested by buyers about a property.As a result, it is up to buyers in New Jersey to find out about the property they are buying. Most home buyers in New Jersey will use a licensed home inspector who will give home buyers a report about the condition of their property (Contracts and Closing in New JerseyRealtors in New Jersey use standard form contracts where you and your Realtor are simply filling in basic information such as the buyer, seller, property and closing date. The benefit to this system is that once buyer and seller have signed these agreements then they are both obligated to the terms of the contract.While Realtors and home buyers can sign contracts without an attorney, New Jersey state law requires a three day attorney review period for all contracts signed.In New Jersey, home buyers are required to use attorneys for their closings as opposed to many other states that use title companies. The attorney assists with the contracts and then obtains title insurance after completing a title search and then executes the closing and funding of the transaction with the seller's attorney.Unlike some states (such as New York), home buyers in New Jersey can use one attorney to represent them and also represent their mortgage lender at the closing. This saves the expense of having two attorneys.New Jersey home prices are down and there are great deals available for first time home buyers in New Jersey