Most women tend to lose fat from the top down so the upper body and stomach tend to lean out before the legs. In this case, most of the fat will likely need to be entirely stripped from the upper body before the lower body will come around.
However, some women tend to lose fat from the outside in (as do most men). In this case the arms and legs will get lean first and the abdominal/lower back/love handle areas will be the last to go. In this case, the limbs will often need to get significantly lean before the abs ever start to be affected.
The big picture here is that, regardless of your fat distribution, if you stay with the plan long enough and get lean enough the fat in your most stubborn areas WILL eventually come off.
Full body workout: