Yes, some programs do have a policy to allow for exceptions from the owner-occupancy requirements. Common exceptions include temporary work relocation, medical treatment, caring for a sick/aging family member, and education.
During the real estate crash, some programs also granted exceptions for people who had to relocate for work but who could not sell because real estate values had fallen so significantly and they owed more than their resale price.
If programs do allow for exceptions to this requirement, it is important to have a written policy outlining the process to grant such exceptions.
