Real estate as the largest wealth of farmers and did not play out the maximum value of their property, and because of the immobility of real estate, the stability of value, make it the most suitable mortgage, is a good guarantee property. However, due to the lack of relevant policies, legislative protection and unclear property rights in rural real estate, there is a great risk of mortgage loans in rural real estate. This paper analyzes the problems and risks of the real estate mortgage loan in rural areas, and puts forward the corresponding countermeasures and suggestions, which can help to avoid and prevent the risk of the real estate mortgage loan in rural areas.