Fannie Mae Gulf Access

Florida Future Realty and Fannie Mae homes around Cape Coral Florida

* Update as of Jan 2014: With the conversion from Rapattoni to Matrix it appears our ‘attached documents’ are not being shown. If you have access, please check rapattoni for the documents. Otherwise, you will find everything you need below or you can go to for instructions as well. *


Real estate agents in and around Cape Coral and Fort Myers Florida, we appreciate your help in selling our Fannie Mae listings. We want to make the process as easy as possible for you & your buyers so we’ve created this page to assist you with the process. Fannie Mae requires certain forms and information to purchase their listings. Below you will find the necessary forms and details to assist you with your Fannie Mae offer.


Offer Negotiation & getting in touch with us

Fannie Mae, through the website has loads of information to assist you with your offer and closing as well. But we know that the first couple offers you put in may seem a little challenging at first. We want you and your buyers to have an easy time with the process and encourage you to call or email our office for assistance you cannot find through our site, mls or through fannie mae’s information. Typically speaking an email or text gets a faster response than leaving a voice message but please if you call and reach our voicemail leave a message and wait for a call back. We do return all calls promptly but sometimes we are on the other lines or with a customer. When you keep calling multiple times in a row it creates more work for our staff and agents. Your time is very important and we realize you are eager for status information but please allow us a reasonable timeframe to get back with you.


Property Status, Is it still available? What about the first look period? Are you still accepting offers?

You’ll find that 99.9% of the status’s are going to be correct in the MLS but once in a great while you may see an incorrect status prior to us being able to make the change. This can happen because we are negotiating in and also through our communication system with Fannie Mae and then updating the MLS once we have a status change. Every once in a while you could find the information incorrect on as well but we strive to keep everything correct. You can see the 15 day first look countdown on It may not be identical to days on market in the MLS. This could be for many different reasons but the typical reason is if it went off the market with an offer and then back on (Fannie Mae requires 15 days ON the market total prior to taking investor or second home buyers offers).


Fannie Mae Addendum and other Forms

Below is a list of documents commonly used when presenting an offer to Fannie Mae. Fannie Mae is very strict on having the contract & addendum filled out correctly. This includes proper information & signatures & initials where required. Our ‘how to’ form goes over it all but if you need any extra help let us know.

Fannie Mae Addendum to the Contract required on ALL offers – must be filled out completely properly (verify you are using the most recent version by checking on

FAR/BAR As-Is Contract for Sale & Purchase – required on ALL offers – must be filled out completely & properly (always use the most recent version)

Owner Occupied Certification – required on ALL offers involving an Owner Occupant (end user/primary resident) – buyer & agents must sign

Fannie Mae CoverSheet – while this isn’t required, it helps us immensely in creating the final draft for all parties to have correct information

Proof of funds or Pre-approval letter – required with ALL ACCEPTED offers (and can help with initial offer getting accepted as well) (you get this information from your buyer or their bank or lender) If buyer is financing we need at minimum the following to be able to submit their offer: Mortgage/Bank/Lender Co name, person handling file’s name, phone #, email address, type of loan, % or amount putting down, % rate of loan.

Lead Based Paint Disclosure – required with ALL offers on properties built 1978 & prior

How To Submit an offer & instructions for agents to make sure their offer is put together correctly (official

How to Submit an Offer – for agents to make sure their offer is put together correctly (created by Florida Future Realty to help)

How to Submit an Offer for Customers – for agents to give to buyers to help them when they are not in front of an agent when completing the offer & other forms

Homepath Resources – links to resources to assist you with your offer


I put in an offer, when will I hear back?

This question cannot be answered with a simple answer. If there are no other offers in and your offer was put together 100% correct in most cases you’ll hear back within 48 business hours. However if there are multiple offers you will go into a ‘multiple offers / highest & best’ period. If your offer isn’t the one Fannie Mae decides to counter first you may not hear for several days to a couple of weeks. This is typically because Fannie Mae is countering back and forth with another offer. That is usually good news for your buyer as another offer hasn’t been accepted yet. Keep in mind you can also change or rescind your offer at anytime until acceptance. Should you be the offer to be countered first keep in mind that Fannie Mae could have 1 or several other offers sitting there so if you really want the house you need to think about putting your best offer forward or they can move on to the next offer.


Why do I keep missing out on all the good deals??

Feel like you keep missing out on the good deals? We send out a Coming Soon email with our assigned properties prior to the actual listing going live. This can give you a head’s up to be prepared for a great property coming on the market. You can also set up a search on and set it to automatically send you ‘coming soon’ properties as well from any listing agent. Keep in mind that coming soon may mean tomorrow and it may mean 2 weeks.

Anything you think we missed here? Let us know and we’ll add it!


Our office recently moved and we are now located in Central Cape Coral at 804 Nicholas Pkwy E, Suite 3, Cape Coral, FL 33990. Our number is the same: 239-542-8521 

Yours in Success,

Susan Milner

Florida Future Realty, Inc.

Fannie Mae Listings in Cape Coral

Cape Coral Coming Soon Listings

Be notified first about Cape Coral and Fort Myers Fannie Mae properties BEFORE they are listed. Just enter your email address and make sure you confirm your subscription.

* Listings sent by Susan Milner of Florida Future Realty, Inc. and can include Fannie Mae, other REO listings and even short sales. Weekly email with our most up to date coming soon listings that haven’t been put online/MLS yet. Unsubscribe at anytime. Your info will not be shared, sold or otherwise used without your permission *
Florida Future Realty, Inc.

804 Nicholas Pkwy E, Suite 3

Cape Coral, FL 33990
(239) 542-8521

Fannie Mae Home for sale

Buying a Fannie Mae Property in Cape Coral Florida

As a Fannie Mae listing broker we have access to Fannie Mae properties in Cape Coral and Fort Myers coming on the market, not just the ones already on the market. Want to be in the know as well? Sign up to receive a weekly list of properties ‘coming soon’:

Fannie Mae properties coming soon free Email list

(Agents and Buyers are welcomed to join our list)

Cape Coral and Ft Myers real estate agents, do you have a buyer looking to put in an offer on a Fannie Mae / listing? Get the Fannie Mae forms package and instructions and any other questions you may have answered: Fannie Mae FAQ and Resources


How to Buy a Fannie Mae home in Cape Coral, Florida


Want to buy a Fannie Mae home in Cape Coral?

As a Fannie Mae listing Broker I can assist you with the purchase of a Cape Coral Fannie Mae owned property.


Do I need to obtain my own financing?

Yes, you do. You can use a lender on a qualified Fannie Mae property or you can choose a mortgage broker or banker as well.


I heard that Fannie Mae properties are not in good condition. Is that true? Will Fannie Mae fix them up before closing?

Fannie Mae properties are sold as-is and they will not guarantee the appliances/personal property. Some homes have all of the appliances while others are missing some or all of them. Fannie Mae does do trash outs, cleaning and maintenance on their properties though. We also turn on both the water & electricity when we can to allow for your inspection of said property.


What is the Fannie Mae First Look program all about?

You can learn more about the Fannie Mae First Look Program by visiting but the short version is that it provides a 15 day period to only allow primary residents and those buyers obtaining government assistance to bid in the first 20 days. Once the 15 day period is over it will open up to all buyers.


Do I need to use a special contract to place an offer on a Fannie Mae home?

No, you will use the Florida State As-Is Contract for Sale & Purchase. But you will need to review and sign the Fannie Mae Addendum to Contract which supersedes much of the Contract. You can view this addendum by clicking here: Fannie Mae Addendum


So the properties are sold as-is? Does this mean that I cannot have a home inspection?

Not at all. You can put a home inspection timeframe into your offer. Fannie Mae will not accept a timeframe longer than 10 days. Time does not start until you have an agreed upon sales contract.


Can I place a bid online myself for a Fannie Mae home?

No, you’ll have to use a real estate agent who is registered on the website to place an offer.


Do I need a special Fannie Mae real estate agent to view a Fannie Mae home for sale?

No, Fannie Mae properties are listed by local real estate brokers and they cooperate with all real estate agents that are members in their MLS.


I have a real estate license, can I buy a Fannie Mae house?

Yes, you can put in an offer on a Fannie Mae property if you have a real estate license. This will need to be disclosed and you may or may not be able to also collect a commission on said property.


I’m an agent and have a buyer ready to put in an offer on a Fannie Mae house. What do I need to do? 

We created a “How To Submit a Fannie Mae Offer” document just for you. Should you have any other questions feel free to call our office at (239) 542-8521 or email us at!

Here is a video to walk you through the documents you’ll need: