DTI question

[Gabriella Husten]

hello my fiance and i are buying a house (well hoping to!) I'm concerned with our DTI being too high (because of my student loans) for FHA loan and us being denied last minute. here are the details:

our income is 66000/year minimum

so front end is 29%

Our monthly debt is 1600/month with 880 being student loans and the rest is 2 cards and very minimal cc's.

so back end with our new house payment (`$1115, PMI, home insurance and taxes) loan 153000, is 49.3%.

My fiance is a firefighter and has PT jobs that he brings home at minimum 20,000/year that they wont calculate in since he hasn't been there for 2 years. So we know financially we can afford the payment. 

We have $5000 additional funds after closing and down payment, his credit score 749 mine 654, nervous on the income aspect and also the DTI... any thoughts? our loan is 30 year fixed at 3.5%.