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Obviously any lender will need a lot more details to really tell you what you can or cannot do right now. However to answer your question about student loan debt, conventional lenders will count the payment against you. If no payment is indicated you will have to probably go to US Department of Education and do a consolidation worksheet to come up with the payments. FHA by contrast will not count the payments against you if you can show that the payments are not scheduled to begin for the next 12 months.
Your credit score would be fine for FHA, but right on the edge for conventional – especially with a small down payment.
Jeff's answer won't help you. You need to speak with a lender, and they will need more information. How long is left on your car note, what your income is, price range for homes, any other outstanding debt, etc. It will be in your best interest to get your score higher. They may also need to know the approximate payment on your loans, but how that is handled may change as lending standards seem to move around quite a bit these days.I would find a lender you trust now, and plan on what you can afford and what you need to do to get ready.
It sounds like you should qualify easily for a mortgage. You should find a good mortgage broker. They represent many sources of loans. If you would like a referral to a great broker send me an e-mail... BTW... I am in Los Angeles.. you should find a local mortgage broker.
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