Why is it critical to ensure all submissions to Rural Development are complete?

Ensuring that all submissions to Rural Development are complete is critical primarily to avoid having the submissions sent back due to incompleteness. When documents are incomplete, it can lead to delays in the loan processing timeline because the application cannot move forward until all required information is provided. This not only prolongs the time it takes to secure a loan but may also cause frustrations for the applicant who is reliant on a timely approval for their housing or financial plans.

In the context of the other options, reducing processing time (the first option) is a benefit of submitting complete applications but isn't the primary reason for the focus on completeness. Similarly, ensuring agreement with loan terms and guaranteeing higher loan amounts relate to aspects of the loan review process but do not directly address the importance of having a complete submission from the outset. Overall, completeness is essential for a smooth application process and preventing unnecessary setbacks.