It's a free country, Rik! You can feel welcome in trying the negotiation route on anything with anyone, but they may not listen to you. Banks, including Fannie Mae, Freddie Mac, and so on, have a lot of property on their hands and are more flexible than ever on listening to offers. They usually base their asking price on a BPO (broker price opinion) or appraisal, but they often reevaluate their position. Give it a shot, be patient, and you may get a great deal.