If I have 1 mortgage late in the past 12 months can I get approved for a mortgage?

FHA -        If the loan is a purchase or a rate and term refinance, the client cannot have more than 2 X 30 lates in the past 12 months from the application date.    Fannie & Freddie -        The client cannot have any 60 day lates in the last 12 months prior to the date the credit report was pulled through closing. -        Borrower can have 30 day lates within the last 12 months but we need Approve/Eligible    VA -        The client cannot more than 1x30 day late payment in the past 12 months from the credit report date but we need Approve/Eligible