How hard will it be to be approved for an FHA loan? 150k loan or less for a condo?

I have around a 640 score. 23 years old and make 38016.00 gross annually. I have 3 open credit cards with no balance. Two Sallie Mae loans totaling 15k which I only have to pay 50 monthly. And gov. Student loans. An open car (lease) loan, 266 monthly. One card did close by creditor but has been paid off.

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