While finding the right mortgage can be a daunting challenge in today’s rough economy, USDA home loans offer some of the most credit friendly and low rate mortgages available. While the USDA Home Loan program is run by the Department of Agriculture, it does not technically have anything to do with farming. It’s simply a government issued home loan program directed for families in rural areas. These rural areas general include houses in wide open spaces, usually outside city limits, or communities with less than 20,000 people. These programs are great for first time homeowners to find a beautiful home, with 100% financing.