A USDA (United States Department of Agriculture) Home Loan more commonly know as a Rural Development Mortgage or RD loan  is a loan/mortgage that is guaranteed by USDA.  It is one of the true 100% products still available for people. Of course like anything there are restrictions.  The biggest two are location, the property has to fall in an area designated by USDA as a qualifying area, and income.  For example Little Rock Real Estate does not qualify. Unlike most lending products Rural Development loans have maximum income restrictions.  To …