I am a local Los Angeles area Realtor ,and would love to put you in contact with a reputable loan officer that can answer your questions at no cost/obligation to you.?
Feel free to contact me in private so we can discuss your real estate scenario in more detail.
Best wishes from So-Cal and good luck
Source: http://www.zillow.com/advice-thread/FHA-loan-in-California-with-a-non-purchasing-spouse-with-bad-credit-default-in-student-loan/471022/
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