In theory, a zero-interest mortgage would mean that you are only paying back the amount you borrowed without any additional costs, but such offers are extremely rare and typically involve special programs or circumstances. Low-interest rates, however, are more common, especially in times of economic stimulus. The specific rate you're offered will depend on various factors, including your credit score, down payment, the loan term, and market conditions. Remember, it's not just about the rate - you also need to consider fees and the overall cost of the loan. Always shop around and compare offers to ensure you're getting the best deal.