I need to buy a house and I got denied with a lender who was extremely incompetent where I got pre-approved and at the last minute I got denied due to my debt to income ratio. I am trying to buy a house for $200,000. My situation is I have full time employment. However, in 2024, I worked 40 hours consistently and made 80,000. However, in 2025, I only made 50,000 because my hours was reduced to a minimum of 32 hours due to going to a certificate training program for work. I am still classified full time since I work between 32 and 36 hours. I will be done with the certified training program in June 2026. I also have two newer vehicles under my name which is 780 per month for mine and 600 per month for my fiancee. This pushes my debt to income ratio to 70% back end with my father included as non-occupant co-signer. What solution do you have on me qualifying and getting approved for an FHA loan? Any ideas would be greatly appreciated. Is there any way my fiancee can take the hit on the vehicle he is driving and paying for even though it is under my name? He cannot refinance under his name because he went through a divorce and has tons of recent derogatory tradelines.