Are you a Swiss citizen considering property ownership in the United States? You’re not alone! Many Swiss nationals are exploring the U.S. real estate market, and the good news is that there are no citizenship barriers to owning property in the U.S.
In this article, we’ll walk you through how Swiss buyers can qualify for a mortgage in the U.S., what documents you’ll need, and which loan programs are best suited for international buyers like you.
Can Swiss Citizens Purchase U.S. Real Estate?
Yes. Swiss citizens are legally allowed to purchase residential and investment properties in the U.S. There are no restrictions on foreign ownership, and you don’t need to be a resident or hold a U.S. visa.
Whether you’re looking to buy a vacation home, relocate, or invest in rental property, all you need is the right financial profile to qualify for a mortgage.
Comparing U.S. and Swiss Mortgage Markets
Mortgage financing in the U.S. is quite different from Switzerland. Understanding how the two systems compare will help you navigate the process more confidently.
| Key Factor | United States | Switzerland |
| Homeownership Rate | ~65% | ~40% |
| Government Role | Large (Fannie Mae, Freddie Mac, FHA) | Primarily private lenders |
| Interest Deduction | Mortgage interest is deductible | Deductible under limits |
| Capital Gains Tax | Exempt up to a threshold | Typically taxed |
| Mortgage Guarantees | Backed by government agencies | Not common |
| Fixed-Rate Loans | Widely available (30 years+) regardless of the borrower’s age | Shorter terms (often 5–10 years) |
| Down Payments | Starts at 25% (Swiss passport holders) | Typically 20–35% |
| Central Bank Support | Federal Reserve purchases MBS | SNB is less directly involved |
| Tax Benefits | Strong homeowner incentives | Modest incentives |
| Refinancing | Easy, flexible | More restrictions |
| Home Equity Loans | Robust market | Limited options |
| Housing Sector GDP Share | ~16% | ~10% |
Required Documents for Swiss Nationals Buying Property in the U.S.
The paperwork involved depends on the type of property you’re buying and how you plan to finance it. That said, here’s a general list of what U.S. lenders typically ask for when issuing a mortgage to a Swiss citizen:
- Valid Swiss passport
- Personal and/or business bank statements – ONLY required for self-use property
- Documentation of available funds (for down payment and reserves)
- Proof of income (salary slips or employer letter) required for personal-use homes
- Tax returns, typically requested for primary relocation or vacation homes, are NOT required for investment property
– - If buying as an investor, no personal income verification is needed; the mortgage is based on the property’s projected rental income
No U.S. credit is required to qualify for financing through America Mortgages’ specialized international mortgage programs.
Mortgage Options for Swiss Buyers in the U.S.
1. Foreign National Loans
These loans are designed specifically for non-U.S. citizens with no U.S. credit history. If you live and work in Switzerland, you can still be approved based on your foreign financials. These loans are available for primary, secondary, and investment properties.
2. DSCR Loans for Investment Properties
The Debt Service Coverage Ratio (DSCR) loan is a go-to option for Swiss investors. These mortgages don’t require proof of personal income; instead, the property’s expected rental income is used to determine eligibility. Great for those purchasing strictly for rental purposes.
America Mortgages specializes in helping foreign nationals secure financing to invest in U.S. real estate. Want to know more? Email us at [email protected] or explore our services at www.americamortgages.com.
Looking to speak with an expert? Use our 24/7 online booking tool to schedule a free consultation with one of our licensed U.S. mortgage advisors, no obligation required.
