So I have found the house and file is getting ready to be sent off for underwriting. Now, I have been at my job for three years and make 56K a year. The mortgage will be for 143K with closing costs paid by seller. On the front end my DTI for pretax income (4K a month pre-tax) would be 23.5%. On the backside, I am at 47%. What is the likelyness that this will be approved? Looking at 1 medical collections for 1k. All credit cards have perfect payments as well as car loans for 2 years or longer.