I would recommend talking with your loan servicer about the possibility, as they have the option of granting an exception.
I realize you asked this question a year ago. The market has changed significantly. Have you taken a look at selling again? I would be happy just to go over the local market with you if you would like, just give me a call (801) 949-1194.
Monica Cook 801.792.6434
We are as close to being in a full blown sellers market as we have been in years. Feel free to contact me for a market evaluation. No pressure, just the facts.