Renting primary residence after 4.5 years of financing due to job

[Ram Rao]

Hi,
I need your help understanding Wells Fargo (and other lenders) policy for renting the home in California.

We got a 30 year fixed loan from company-XYZ which sold it to Wells Fargo; my family and I have been living in our primary home for 4 years and 5 months. This is the only loan and has never been refinanced.

I was laid off and after 6 months, found a job a 1000 miles away and plan to move there. I plan to rent the house. The mortgage only says I have to live in the house for a min of 2 years (since it is a FHA loan)

I read conflicting things on the internet--
a. Yes, we have to let the lender know and take their permission. If you don't, fire insurance etc will not be covered. But don't worry yours is an extenuating circumstance and they will agree
b. Yes, we have to actually let the lender know but no one does it, so don't worry.
c. No, you have completed 2 years. It is none of Wells Fargo's business, even if it is not an extenuating circumstance

Which of the above is true?