I work with a lender in the Los Angeles area. He got a client approved for me and was ready to draw documents for an FHA loan in 72 hours. If that is fast enough for you, then contact me through my profile and I will be happy to forward the referral and his one page client information form that he will need to tell you if you qualify. Looking at your numbers it might be tight, but if anyone can do it, Chris can do it. He has worked this type of miracle for other realtors I know. I found him through a referral from one of them.
Congratulations on moving into the home owning world and Dare to Dream.
Real Estate Consultant
RE/MAX Palos Verdes Realty
Check out my info website: http://www.westside-realestate.info There is some information there about FHA loans as well as a contact lender who can do the loan for you.