I have been in Chapter 13 for 12 months with no late payments. I would like to obtain an FHA to buy a home. However, I am concerned that my Chapter 13 monthly payment and student loans (deferred for 4 more years) will keep me from qualifying because my DTI will be too high. I only make about 70,000 a year. My Chapter 13 payment is 471 every two weeks. My student loans are around 80,000 (1% is 800). Is it possible for me to be approved?