will underwriter not grant final approval based on my debt to income ratio?

Loan officer said I was FHA home loan was approved and was waiting for final approval from underwriter. My credit score is about 650, and I have not had any late payments in two years. Ive also been at my job for 5 years. My debt to income ratio is my concern. With my student loans, car payment, one credit card and projected mortgage amount, the ration is 44.5%. will this keep me from getting final approval??

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