Owning a home comes with a big financial responsibility such as mortgage payments. Lenders like to see a debit-to-income ratio under 43%.
The best recommended route is to tighten up your debts such as credit card balances. Clear any loans you may have outstanding.
You don’t want to have outstanding debts all over the place if you plan on taking on a mortgage because the mortgage could easily increase your debts exponentially. The lender could review your debts and reject your loan application if necessary.