You can, and you come close for an FHA (your only viable option), but you need to be under 41% debt INCLUDING new total house payment. You might want to pay off a few small debts to reduce that ratio.And, the ratio is actually debt to income, calculated by adding all of your monthly debt payments that show up on your credit report to your new mortgage payment and that number must be less than 41% of your gross monthly verifiable income. I suggest you call a lender who won't waste your time and who can ask you a few questions and determine what you qualify for or what you need to do to qualify. I recommend Jason Pike at Bank of America at 505.828.9400. He will tell you straight up whatever you need to hear and not just try to sell you on a loan that can't be done. If you are ready to shop for a house in our market, it would be my pleasure to assist you Tonae. Best of luck to you!