Can I get an approval with a high DTI, great credit and income around $41k on a house that costs $250k?

Probably not... The cheating quick rule of thumb is most people can afford about 4 times their yearly income. So that would put you significantly less that a $250,000 home unless you put down a gigantic down payment.

More info needed, but in general, There are lending programs which allow for DTI up to 57%.. but to advise you, we would need to analyze your complete loan profile.. If you meet all eligibility requirements.. then yes.. there is a way to make it work.. Credit scores, down payment, currently monthly debt, income and income type.. etc, etc, etc.. all this needs to be analyzed to properly advise you.. You should contact a mortgage bank/broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with a Banker/Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the banker/broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the big box banks. I'm a preferred Lender with Arizona and California being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893