Affordable homeownership with a 0% interest mortgage. To get started, you must 1. Attend info meeting 2. Check Habitat's website or call to ensure that applications are currently being accepted in your area 3.Complete and return an application available at their offices and on the website, or call to request a mailed application. The application cannot be filled out online at this time. To be eligible, applicants must have a housing need, be willing to partner with Habitat, and have the ability to afford homeownership.