Yes, Swedish citizens can obtain a mortgage to purchase property in Florida. Sweden's exceptionally strong economy, transparent tax system through Skatteverket, and high-quality banking sector make Swedish buyers among the most creditworthy foreign national applicants. With a 25% down payment, proper tax filings, and bank references, Swedish nationals can access competitive mortgage programs. Florida has long been a popular destination for Scandinavian buyers seeking warm-weather properties.
25%
Minimum
Swedish buyers need a 25% minimum down payment, valid passport, personnummer, 12 months of bank statements, Skatteverket tax filings, income documentation (lönespecifikation), 2-3 bank reference letters, and a CPA letter. Swedish documents need certified English translations, though many Swedish banks provide English-language statements.
The mortgage process for Swedish buyers takes 30-40 days. Many Swedish banks provide English-language documents, reducing translation time. Pre-qualification in 1-2 days, document collection 1-2 weeks, underwriting 2-3 weeks, closing 1 week.
Contact us for a free consultation about your mortgage options as a foreign national buyer.
We review your financial profile and determine your estimated loan eligibility and terms.
Gather your country-specific documents with our personalized checklist and expert guidance.
Submit your complete application package to our partnered lenders for review.
Your application is reviewed and approved. We handle all communication with the lender.
Sign your documents and receive your keys. Remote closing options are available.
Swedish citizens can finance Florida property with a 25% minimum down payment through HFG International's foreign national mortgage programs. Key documents include a valid passport, personnummer, Skatteverket inkomstdeklaration tax filings, lönespecifikation pay slips, and bank references from Swedish institutions like SEB or Handelsbanken. HFG specializes in helping Scandinavian buyers navigate SEK-to-USD transfers and high-tax-country income documentation.
Call Medardo F. Cevallos — he understands the Sweden mortgage process.
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A detailed breakdown of down payment requirements for foreign national mortgages in Florida, organized by country and risk tier — plus tips to minimize your upfront costs.
