If you were purchasing from a private owner or builder Fannie Mae does not impose this rule but your purchase contract might.
Hope that helps!
This question needs to be answered by an FHA Lender. Please contact Kare Jones 480-339-1577 with AmeriFirst she will be able to answer your question. Please let her know I referred you.
Have a GREAT day!
Vivien L Biggs PLC
Prudential Arizona Properties