Should I be concerned?- Final ApprovalI'm getting extremely stressed, and I hope its for no reason! I'm buying my first home with a FHA loan. My DTI is 9%front end 40% back end... However, the LO isn't taking all of my income into account because last year I didnt make as much as I have this year (raise in January) and its pushed my back end to 51% (also they arent including my $750 living expense I get from my company). They said it would all be noted in the file and I have all my paystubs showing my new income starting this january. I'm afraid of getting denied, and help/advice would be great! Thank you.September 14 2013 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.