Paying off all your debt isn't usually a requirement to get approved for a mortgage. Lots of people get approved while owing on credit cards, cards, student loans, etc. It all depends on your monthly income vs. your monthly outlay.
If you had some credit issues in your past or are dealing with settling "delinquent debt" that you missed payments on, then that could be another story. There are minimum time limits established after you have had certain credit damage before you can get approved for a loan again. A bankrupcy is usually 2 years after discharge before you can apply again for an FHA loan. (That time frame could have changed recently. I haven't checked on it in a while).
What I would do is go in and sit down with a loan officer. Have them pull a credit report and share with them your situation. They can best advise you on what debts to address if necessary and help you form a plan to get a new loan and home!! Good Luck!